Additional Protection for Your Farm or Ranch

Dennis Bess and Carrie Shelby

Standard coverage in the policy includes:

  • Rental reimbursement on farm machinery and equipment
  • Equipment breakdown coverage for equipment built into outbuildings
  • Global positioning equipment covered for special causes of loss
  • Cab glass repair or replacement with no deductible
  • Foreign object damage to combines covered at no additional charge
  • Damage during towing and hitching covered at no additional charge
  • Farm machinery contact with roadbed or ground with no additional charge
  • Primary coverage for borrowed farm machinery (your insurance pays first)
  • Fire extinguisher recharge costs
  • $5,000 coverage for credit card fraud

Farm and Commercial General Liability

This liability coverage can be tailored to include:

  • Agricultural and food products you may process for or sell to others
  • Agricultural services you perform for others
  • Agritourism
  • Farm premises and operation

Auto Liability

  • Commercial autos
  • Farm autos
  • Non-owned or hired autos

Your farm or ranch is a valuable asset, and you deserve the best insurance protection available. Policies may differ considerably from company to company, making it difficult for you to know exactly what kind of coverage you have. That’s why we developed a special Farm and Ranch Property policy which enables you to select those coverages that meet your specific needs.

Standard Features of our Farm and Ranch Insurance include coverage for

  • Buildings and Structures
  • Machinery
  • Livestock
  • Automatic Extras - up to certain limits
    • Refrigerated Products
    • Farm Operations Records
    • Buildings Under Construction
    • Debris Removal
    • Pollutant Cleanup and Removal
    • Identity Theft Recovery Expense

Hobby (Small) Farm

Today’s small farms and ranches are considerably different from their counterparts of only a few years ago. That’s why we have developed a special Hobby Farm Program for small acreage operations within our Farm Owners Policy.

Main qualifications for a Hobby Farm:

  • 80 acres or less owned or leased
  • $20,000 or less in gross farm income
  • one or more insurable outbuildings, not to include a garage

Farm Auto

We offer coverage for your personal vehicles and the vehicles used in your farming operations including your semis and ATVs.

Farm Fire

You may not need a full farm policy but you may still have some limited farm risk exposures. For example, you may need coverage just for outbuildings or farm machinery. Our Farm Fire protection is the solution.

Farm Liability

Adequate liability protection is very important. Our Farm Liability policy can protect you, up to the policy limits, if you are found to be legally liable for bodily injury or property damage that is covered under the policy. Medical Payments Coverage is available for medical expenses that result from injuries to visitors or guests. These expenses are covered, up to the limit of medical coverage, even if you are not legally liable. Optional Coverages Available

  • Increased Liability Coverage Amounts
  • Increased Medical Payments Coverage Amounts
  • Animals in Contests or Stunting Activities
  • Animal Rides for Charity/Profit
  • Watercraft Liability
  • Animal Collision

Incidental Liability Often, farmers and ranchers expand their operations to include sales or services. Coverage for most of these incidental businesses and part-time jobs can be included under a Farm Liability Policy. For example, the following incidental businesses, among others, can be included under the policy:

  • Music Instruction
  • Professional Liability-Teachers
  • Craft Sales and Instruction
  • Home Product Sales
  • Seed Sales
  • Firewood Sales

Equipment Breakdown Endorsement

One of the unique coverages offered by QBE Farmers Union Insurance is our Farm Equipment Breakdown Coverage. This coverage covers:

  • Heating and cooling systems
  • Refrigeration
  • Ventilation systems and fans
  • Boilers, pressure vessels and water heaters
  • Furnaces, heat pumps, heaters, solar heaters
  • Deep well pumps
  • Back-up generators
  • Chair lifts and elevators
  • Electrical distribution systems
  • Various types of motors and mechanical devices
  • Pool equipment
  • Central vacuum systems
  • Computer equipment
  • Production equipment

Covered Risks Include:

  • Mechanical breakdown
  • Electrical short circuit
  • Centrifugal force
  • Boiler overheating, cracking and bulging
  • Pressure vessel bulging, cracking, collapse

Farm Advantage Endorsement:

QBE Farmers Union Insurance also offers an extended Farm Advantage Endorsement that covers even more items on your farm including:

  • Livestock Theft
  • Increased Haystack Limit
  • Rented or Borrowed Irrigation equipment
  • Sign Coverage
  • Cargo Coverage
  • Lock Replacement
  • Deductible Options to fit your budget and lifestyle

Available Discounts Include:

  • Package (when you also have an auto policy with us)
  • Claim-free
  • Good Credit

Farm Personal Umbrella Insurance

Why Should You Get Farm Umbrella Liability Insurance?

You have your farm and auto insurance policies in place … is there any more protection you may need?

  • Protect You Against Additional Liabilitiesz
  • Gives You Great Peace of Mind
  • Inexpensive Coverage
  • Coverage Available to One Million Dollars or More

  • As healthcare costs continue to rise, lawsuits become more common and jury awards escalate, your basic policy liability limits from your farm, ranch or auto policies might not be large enough to protect you and your family. That’s why it makes sense to consider a ranch and farm personal umbrella insurance policy for additional protection

    You can purchase a minimum of one million dollars of extra farm umbrella liability insurance coverage under our Farm Umbrella, with certain higher limits available. The cost for such additional security can be surprisingly affordable.

    Hours of Operation

    Monday - Friday 8AM to 5PM
    After hour appointments are available.

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    137 A Commercial Dr.
    Fredericktown, MO 63645