Farm And Ranch Coverage Options
At Burton & Company, we offer several forms of coverage for farms and ranches to ensure they receive protection from the unique liabilities they face. Outlined below are the insurance policy options we provide for farms and ranches throughout Virginia:
Farm And Ranch Home And Contents
This insurance protects your property from damage and theft. It covers:
- Household personal property in your dwelling, such as appliances, furniture and clothes if you live on your ranch or farm
- Farm personal property, such as machinery, grain and farm tools used for farming operations
- Customizable to cover farm buildings and other structures you need to insure
Dairy Farm Insurance
We offer dairy farm insurance that include coverage for:
- Farm machinery and equipment
- Farm home and contents
- Equipment breakdown
- Refrigeration units
- Milking and pasteurization equipment
- General liability protection
- Personal property insurance
- Farm and ranch structures
Farm And Ranch Liability Protection
This insurance protects your assets in the event of a lawsuit. It covers:
- Your legal liability, up to a set amount, for damages arising from bodily injury or property damage from covered claims
- Medical expenses up to the claims limit for people who are accidentally injured while on your premises with your permission
Farm Vehicle Insurance
The vehicles that keep your farm or ranch operating require special protection from accidents and other damage. The type of coverage you need depends on how your farm vehicles are used, and we provide policies for everything from trucks and tractors to ATVs and trailers.
Farm And Ranch Umbrella Coverage
An umbrella policy provides you with liability protection coverage that goes above the limits on your standard farm or ranch liability policy for liability judgments and lawsuits.
Workers Compensation
Our workers compensation policies cover your ranch or farm employees who are injured on the job. It can limit your financial responsibility when an employee’s injury leads to medical expenses and helps you continue to operate if an employee is injured.
Crop Insurance
Crop insurance can cover damages to crops caused by droughts, flooding, hail and other natural disasters. We offer crop yield insurance and crop revenue insurance policies that could help protect your livelihood in the event of crop failure.
Livestock And Cattle Insurance
Your farm depends on the health of your livestock and cattle to succeed. Protect your cows, bulls, sheep, lambs, goats, and swine from a broad range of losses, including:
- Attacks by wild animals
- Electrocution
- Loading accidents
- Floods
- Earthquakes
- Accidental Shootings
- Collisions
The amount payable per head depends on how you insure your livestock.
Herds
The most popular approach for covering livestock is insuring them collectively as a herd.
Blanket
A blanket policy insures all of your livestock, equipment and farm structures in one lump sum amount.
Individual
If your farm has some higher-valued animals that you wish to cover for a specific amount, you may choose to list them individually using identification such as names, descriptions or ear tag numbers.
Talk To The Farm And Ranch Insurance Professionals
Farming or ranching isn’t just your profession – it’s a big part of who you are. At Burton & Company, we offer customized coverage that addresses the unique needs of your farm or ranch. Reach out to us today at (888) 652-1325 or request a quote online to find out how we can help you protect everything you’ve worked so hard to build.
