Bodily injury
If someone is visiting your farm or ranch and injures themselves while on your premises, bodily injury coverage would help protect you.  

Example: A visitor slips and falls while visiting your ranch and breaks their ankle.  

Property Damage
If damage is done to someone else’s property as the result of your farming operations, property damage can help cover the costs.  

Example: One of you cows wanders through a hole in your fencing and tramples a nearby freshly landscaped yard. 

Medical payments
This coverage pays regardless of liability and is triggered when there is an injury on your farm or ranch that requires medical treatment. 

Fire legal liability
This coverage focuses on helping protect you when your farm machinery catches fire and causes damage to someone else’s property.  

Example: You are storing a tractor in a neighbor’s garage.  The tractor catches fire and burns down the neighbor’s garage.  

Products and completed operations
This coverage is intended to protect you from claims for injury or damage that are caused by faulty products.  

Example: A customer eats one of your homemade cherry pies.  Unfortunately, the pie contains a cherry pit and the customer breaks one of their teeth.  

Farm and ranch liability also covers negligent acts of your children and acts of your pets and livestock.  Perhaps one of your children forgets to lock a gate and a particularly feisty goat escapes.  The goat scratches a neighbor’s car causing damage.  Or maybe your dog bites the mailman.  Imagine that one of your cows steps on a guest’s foot and breaks it.  Farm and ranch liability can help protect you in these types of situations. 

Farm and ranch coverage can be easily tailored to suit your farm’s unique needs.   Below are some optional farm liability coverages that could help offer additional protection.

• Pollution would help pay for cleanup costs if you were using your tractor to haul a tank of insecticide and the tank leaked into a nearby stream.
• Care, custody and control could help cover you if you raise livestock for someone. 
• Farmers markets & roadside stands can help protect you if you sell a tainted product to a consumer.
• Chemical drift helps protect you if you damage someone else’s property as a result of spraying pesticides.
• Horse boarding exposures require specialized liability coverage.
• Agritainment and agritourism include things like corn mazes, pumpkin patches, hay rides and more.  
• Pick your own would apply if you offered a “pick your own” fruit or vegetable option to the public.
• Incidental business pursuits would be applicable if you started a small separate business, like horse training, on your farm property.