Protect Your Farm With The Farm-Guard® Policy

The Farm-Guard® protects the members of your household against financial disaster from accidents or injuries occurring on your farm — whether you’re a farm owner or tenant.

The policy provides a broad range of standard coverages as well as a variety of optional coverages to customize protection to fit your farming operation.

Liability Coverages

Public Liability
Protection against claims of negligence arising from your farming operations, the use of your premises or personal acts.

Physical Damage to Property of Others
Pays for damages to property you borrow, such as farm machinery.

Medical Payments to Public
Pays for accidental injury to the public on your premises, by your livestock, accidents caused by your farming operations or personal acts.

Employer’s Liability
Protection against liability for injuries suffered by your farm employees while working for you.

Medical Payments to Farm Employees
Covers medical expenses for accidental injury suffered by your farm employees while on the job, even if you are not at fault.

Coverage Options

Split Limits
Per person/per occurrence limits for public liability and employer’s liability

Available Liability Credits

Owner Occupied

Reduction in premium when the landlord has leased 90% of the farm to a tenant. The landlord must not have direct control over the farm premises or any interest in the farm equipment or livestock.

Non-Occupied

Reduction in premium when the landlord does not live on the farm or have any direct control over the farm premises.

Livestock Exclusion
A reduction in premium when no livestock are owned