The Farm Umbrella policy covers judgements you are legally obligated to pay in excess of the limit of your other policies. The policy covers excess farm and person liability (bodily injury, personal injury and property damage, excluding pollution), claim defense and claim expense. It is available with limits from $1,000,000 to $5,000,000.

Covered activities can include your responsibility as a farm owner or lessee, obligations as a farm operator (at home or away), personal sports participation and use of personal and farm motor vehicles. The umbrella policy is an inexpensive way to protect the assets of your farm business and no operation should be without one.

If you would like more information about a Farm Umbrella policy or need a comprehensive review of your farm liability exposures, please contact us at 800-627-2241.