If you operate a farm or ranch in Texas, you’re probably not new to the risks you face in your industry. The agents at Diamond Insurance Group Inc. can help you identify your unique risks and secure insurance policies to help protect against them. Give the team at Diamond Insurance Group Inc. in Texas a call today at 903-891-4646 to discuss your farm and ranch insurance needs.
Crop insurance: Damage to crops might arise from weather, fires and other hazards. This coverage can pay you a settlement to help you replace those items and lost income.
Farm livestock insurance: A loss to your animals could mean a loss of profit. Therefore, this coverage can help you recover the results.
Equine insurance: Horses are often valuable both for farm operations and their market value. Therefore, when you breed or raise horses, a single loss maybe costly. This coverage can insure your horses against death, injuries and other hazards.
Farm equipment insurance: Should important assets like pumps, rakes, sprayers and other tools get damaged, this coverage can help pay for those items.
Tractor insurance: Standard equipment insurance often doesn’t cover tractors or other farm vehicles. You can buy separate coverage to protect these items against damage or other losses.
Farm dwelling insurance: If you live on your farm, then this policy can cover your home.
Farm structures insurance: This coverage insures barns, grain silos and other property.
Commercial auto insurance: Vehicles owned by the farm or used in its operations will need commercial auto insurance rather than personal auto insurance.
Farm liability insurance: Your operations might cause bodily injuries or property damage to various people, including your clients. This coverage can help you repay them for their losses.
Umbrella insurance: Under standard liability insurance, there will be limits. However, if a claim exceeds these limits, then umbrella liability coverage can help cover the remaining costs.
Workers’ compensation insurance: If you hire full- or part-time employees in your operation, then you will likely have to buy workers’ compensation. It will pay supplementary income to an employee if work-related injuries or illnesses force them off the job.
Coverage can be customized to meet the needs of those who reside on their farms by insuring both their personal and commercial assets with a farm owners policy. Because of numerous industry regulations, you may face several coverage requirements based on your specific operating profile, as well.
Don’t wait any longer to purchase the farm insurance policies that will properly protect your business. Diamond Insurance Group Inc. is here to help you every step of the way. Give us a call today.