Most traditional insurance products don’t respond the needs of farm, winery, and ranch operations. These can include; special farm equipment, manufacturing equipment, stable liability, dairy exposure, cattle and other livestock mortality exposures, high valued homes, livestock breeder’s floater to name just a few. Farms are exposed to two unique additional exposures: Pollution and Agritourism.
Agritourism activities include everything from a bed and breakfast, weddings, a corn maze, educational field trips, a store or wine tasting, to “pick your own” and roadside farm stands. Liability suits are sometimes large enough to shut entire farm operations down. This is why it is so important to know your clients are properly insured. Your farm has increased liability, by having visitors.
Pollution-Farms and ranches need to manage the environmental impact of farming on the land, including minimizing waste production and use of water on crops and livestock. Discharges from manure pits and fuel leaks from storage tanks are not covered by your typical insurance policy.
When you call our firm you will get a professional who knows and understand your business. We know you are responsible to your clients for providing the best possible combination of coverage, price and services. We take that responsibility seriously.
Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it, it’s important to be prepared when potential problems arise. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an unforeseen circumstance disrupts your operations.
Whether you’re a local grower or a large cultivator, we understand the value of insuring your greatest asset. At North Bay Insurance Brokers, Inc., we’re dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation.