Protecting everything else that you do with Additional Coverage.
Modern farms have a unique mix of business interests. You may employ full-time or seasonal agricultural workers, host special events or rent out rooms, or do custom work for others.
Let’s sit down and take the time to understand your risk exposures and recommend practical solutions so that you’re properly covered for risks you may not have thought about.
Other Commercial Operations
In addition to working the land, or tending to livestock, many farm families supplement their income with other businesses. These activities may also need coverage for liability and other risks.
Protecting your technology investments.
If you’re running a supplemental business on your farm such as:
- Commercial trucking
- Retail operations
- Custom farming
- Custom spraying
- Agritainment or agritourism
Talk to your local Highstreet agent to find out if you could benefit from additional business policies to cover commercial liability for your vehicles, equipment, and more.
Employee Benefits
Farming is a business, in many cases that means you are an employer as well as self-employed. While larger agricultural operations may fall under the Affordable Care Act, any operation can attract the best employees with the right benefits.
Protecting the health and wellness of your employees.
Benefits such as health, dental, prescription drugs and more can help your hands and others work with the confidence that you’re looking after them and their families while they help you do the essential work of farming.
Your local Highstreet agent puts in the time to understand your needs as an employer, and whether offering benefits such as medical, dental, vision and more could help you and your farming business thrive.
Workers’ Compensation
Workers’ compensation provides benefits and medical care to employees who are injured or become ill in (or because of) their workplace.
Protecting your workers from financial loss.
People who work on your farm could be unable to work as the result of a fall, an accident with machinery or equipment, or it could be an incident with livestock, pesticides, fuel and more.
In most states with workers’ compensation laws, agriculture is exempt. Other states require your farm workers to be fully covered. In some states, coverage is required if you have a certain number of employees. Your local Highstreet agent can help you understand your state’s laws and how they may apply to you as an agricultural employer.
Environmental Liability
This coverage protects you and your farm from losses due to lawsuits or legal consequences due to accidental contamination of the ground, water, or air around your operation.
Protecting you from environmental damage costs.
Some examples of covered environmental liability include:
- Drinking water affected by pesticides or manure
- Chemical spills or pesticide drift to neighboring properties
- Complaints about offensive odors, noise, or other irritants
Environmental Liability policies fill the gaps in your other farm coverage to help your operation survive a claim against you for many kinds of pollution-related risks to people, animals or natural environments. Your local Highstreet agent can help you understand your environmental risk exposure and how you can protect yourself from potential financial losses.
Cyber Liability
Whether it’s a foreign attempt to disrupt our agricultural security, or a hacker holding your operations for ransom by shutting down your high-tech machinery or equipment, cyber coverage can help you get back on your feet more quickly so that you can focus on your work.
Protecting your farming businesses from hackers.
From GPS-driven machinery to farm equipment that’s networked, farming operations are increasingly becoming part of “the internet of things.” And with that connectivity comes the risk of cyber-attack.
Cyber Liability Insurance is a serious business as bad actors target both large and small businesses, and farming is on their radar.
Your local Highstreet agent can help you assess the cyber risks on your farming operation and recommend the right coverage for your specific needs and risk tolerance.
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