Farm and Ranch owners have a different lifestyle than most businesses and individuals, which translates into unique insurance needs. Traditional insurance coverage may not adequately respond to those needs. Farm insurance typically provides a combination of homeowners, personal property, commercial property, and commercial liability coverage. The unique blend of commercial and personal coverage is necessary because it is typical for farms to have both residential and commercial characteristics.
Pepper, Johnstone & Company can help insure this special way of life for virtually all farms and ranches, including large commercial growers, packers, equine, poultry, and dairy operations. Our experienced professionals will work with you to design the appropriate coverage at the best possible price. Our clients can expect personalized service and sound advice from our dedicated agribusiness professionals. As a longtime provider of farm and agribusiness insurance, we have developed longstanding relationships with many of the country’s leading insurance companies that specialize in insuring agribusinesses. We understand your unique needs and we remain committed to providing customized, comprehensive and competitively priced programs for virtually all farming and ranching exposures.
What Is Farm and Ranch Insurance
Farm and Ranch Insurance is a policy that covers your ranch and property in the event of a devastating event. Your farm is important to you for many reasons. In some cases, your farm is where you make your living through agriculture and livestock. In other cases, your ranch is where you lay your head at night. It makes sense then that you would want to make sure that it is insured.
Your farm is probably the largest and most important investment you have made in your lifetime. Insurance protects you in the event of a catastrophe or loss that you likely could not financially afford. In the event of a loss, there could be property damage to your home, its contents, outbuildings, equipment, livestock, crops, etc. Farming operations present inherent risk exposures that may result in bodily injury to others, and possibly death, for which you may be found negligible or partially contributory. Few of us have sufficient financial resources to cover these types of losses. Insurance provides a means by which we can transfer this risk of loss to an insurer who does have the financial resources to cover the costs. You and the generations before you worked too hard and sacrificed so much to build a successful business. Don’t let the actions of others (or Mother Nature) put your business at financial risk.
For more information about farmland and ranch insurance, please feel free to reach out to us. We definitely want to help you choose the best insurance policy for your agribusiness. Speak with one of our experienced professionals today.