Keeping your farm safe is a top priority, and the right farm insurance can make all the difference. At Forward Insurance, we get that every farm in Wisconsin and Minnesota has its own unique needs. That’s why we offer flexible farm insurance solutions, from covering your livestock and equipment to protecting your crops. Whatever your farm needs, we’re here to help you stay secure and keep things running smoothly.
Features of farm insurance policy:
- Farm buildings: Covers barns, sheds, and other farm structures (barn coverage) with options like replacement cost or actual cash value. Includes farm property insurance for ice, snow, or sleet damage when eligible.
- Farm liability: Protects against lawsuits and damages for which you may be liable, including defense and coverage for injury or property damage. Consider adding a farm umbrella policy for extended coverage
- Farm personal property and equipment: Ensures coverage for farming equipment, including borrowed items and newly purchased property (within 30 days). Offers machinery insurance and farm asset protection with replacement cost options for newer implements.
- Farm income and extra expense: Provides coverage during the period of restoration when a covered event doesn’t allow you to operate your farm to its full potential.
- Farm auto: Special coverage for farm vehicles like large trucks, semis, and commercial farm vehicles.
- Limited pollution coverage: Covers pollution incidents, like manure pollution or chemical overspray, reducing agricultural risk and including cleanup costs.
- Equine activities: Provides personal liability and medical payments coverage in connection with boarding, breeding and training of horses as part of your farming operations.
- Peak season: Adjusts coverage for farm personal property based on seasonal fluctuations, and can be combined with crop insurance or agricultural insurance.
- Farm equipment breakdown: Covers expenses due to breakdown for farm building items like boilers, vacuum vessels, mechanical, electrical, electronic or fiber optic equipment.
- Livestock perils coverage: Covers losses to livestock by attack, accidental shooting or drowning. Some polices also cover livestock for winter weather-related events, such as loss due to blizzards and snowstorms.
- Leased or rent land: Provides coverage for land that you use for farming operations, but do not own.
- Farm endorsements: Additional coverages tailored to specific farm needs in one package, enhancing your overall farm policy and including options like farm home insurance.
Money Saving Discounts
You may be eligible for money-saving discounts including:
- Paid-in-Full Discount: Save more if you pay your annual or semi-annual policy premium in full and on time.
- Claims Free Discount: Be rewarded for being claim free in your insurance history.
- Advance Quote: A discount may be available for new applicants who request a premium quote prior to the effective date of the policy dependent on company.
Moving Your Farm Forward
Safeguarding your farm from the unexpected is essential, especially here in Wisconsin and Minnesota, where every season brings its own challenges. At Forward Insurance, we’re proud to be part of your community and are here to help you find the right coverage for your crops, livestock, and equipment. With our local expertise and commitment to your success, you can keep farming with confidence, knowing your livelihood is protected.
