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As important and satisfying as ranching and farming can be, they're also risky industries for anyone making a living growing food. A single storm, parasite, or accident can wipe out your revenue for an entire season overnight and potentially force you out of business. Fortunately, a comprehensive farm insurance policy can protect your investments from a wide variety of perils.

While your needs may vary depending on the size of your operation and specialty, your farm insurance policy should at least cover:

  • Liability: Owning a farm exposes you to an array of liabilities. A visitor could get hurt on your property, escaped animals might cause property damage, or one of your employees might cause an accident in a company vehicle. Your liability coverage will compensate any injured party for their losses, as well as any legal expenses you incur.
  • farm insuranceProperty Damage: Modern farms rely on highly specialized equipment, much of which is prone to damage and theft. Most farm insurance policies cover your vehicles and machinery from fire, storm damage, theft, and vandalism, along with a variety of other risks. Without this coverage, you may be paying out of your pocket to replace or repair expensive equipment.
  • Crop Losses: Perhaps the most valuable resource on a farm is also the one most at risk. It takes only one severe hailstorm to wipe out a year's worth of work. Your farm insurance policy should protect you from the effects of storms, natural disasters, and crop diseases that can have a catastrophic impact on your business.

 

 

Since 1904, farmers throughout Missouri have relied on Texas County Mutual Insurance to ensure their investments are fully protected. Visit their website now to find your nearest location, or call (573) 674-3125 to request quotes and discuss your farm insurance needs with a member of their team today.

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