Yes, packages are available for farm operations (example: Dairy Package) which offer inclusive coverage typical of this type of farm business. We will always find solutions for your farm coverage needs that do not fit within a package, additional coverage is available for your farm policy. We want you to have the best coverage, let us work together to give your family peace of mind.
Farmer’s Accident Insurance plan must be purchased and is intended to provide coverage for farmers so that an injury will not prevent important farm activities from getting done. Payment up to policy limits cover the expense to hire replacement labour, and severe injuries suffered within 365 days of the farm accident are paid according to a list on severity and amount. You may still want to consider additional coverage outside of what this can offer, but it’s a good start to have something in place.
Coverage for non-owned livestock is available to be added to your policy upon request and we will insure you for the livestock of others (there is coverage included in larger farm packages). Speak with an Erie Mutual Farm Specialist to determine the appropriate limit of insurance needed under your policy. Tell us about the livestock, do you keep more at certain times of the year. We can adjust accordingly, and amend limits when the value of the livestock fluctuates on the market.
Sorry, proper insurance protection for all terrain vehicles is secured under an auto insurance policy and is not included as either contents or equipment under a farm policy. The auto insurance policy provides for liability insurance, but more importantly, it can offer the necessary physical damage coverage (including theft, and this happens often), and accident benefits if anyone is injured while operating the vehicle. We recommend you discuss the use and operation of any ATV with our professional insurance advisor.