Protecting Your Farm or Ranch From Business Liabilities

If you have a farm, ranch, orchard, vineyard, equine operation or other agricultural property, you might not consider your business large enough to justify a specialized insurance policy. But if a batch of jam sold at a farmers market makes someone sick or if a horseback rider is thrown from a horse during a lesson, it could potentially lead to an expensive lawsuit. Yourhomeowners insurance独自一人不可能覆盖它。

“As owners of farms, orchards, vineyards, equine operations and ranches start offering their products or services commercially, they may be moving away from the protection that a traditional homeowners policy can provide, without realizing it,” said Michael Williams, a product director specializing in agribusiness insurance at Travelers.

Even if you’re just in the beginning stages of exploring a side business, having the正确的覆盖范围当您考虑为自己的财产带来新的机会时，可以提前就可以让您放心。覆盖范围可以包括农业综合企业一般责任保险to protect you from the costs of covered liability claims and超额责任承保范围in case a large loss exceeds the limits of your primary coverage.

What Kinds of Activities Are Considered Commercial at My Farm or Ranch?

虽然房主政策通常可能涵盖在您的财产上使用农场或牧场的乐趣，但任何产生收入的东西都可以视为商业活动。这包括从向苹果采摘公众到出售干草到邻近农场的任何内容。

提供待售服务也可以被视为商业活动。例如，如果您同意登上邻居的马，那么住房并收取收入就被认为是商业马的曝光率。在另一种情况下，如果那匹马踢人参观您的财产，您的房主保险可能不会涵盖从医疗费用到法律费用的潜在损失。此外，可能导致产品责任索赔的风险可能来自在路边摊位或农贸市场上出售水果或蔬菜。

农业综合企业保险还有什么保护？

In addition to helping protect you from liability as a result of selling products or services,agribusiness insurance可以帮助保护您指望的商业活动的设备和财产。威廉姆斯说：“通常，房主保险并非旨在涵盖传统的农业业务。”农业设备可以被视为商业财产，而不是由房主保险单所涵盖的家庭个人财产。

For example, if you have piece of harvesting equipment you rely on and it is damaged or stolen, having agribusiness insurance can help cover the costs to replace or repair your equipment. This can be especially important given the time-sensitive nature of harvesting any growing crop. Insurance could help cover the cost of renting replacement equipment while your equipment is being repaired.

What Kind of Insurance Do I Need to Protect My Farm or Ranch?

To protect your ranch, vineyard or other farm property,agribusiness insurance可以帮助涵盖与商业活动相关的许多风险，从农场摊位到马活动等等。拥有一项涵盖个人责任，农场责任或可能承担商业一般责任的政策可以帮助减少覆盖范围的潜在差距并简化购买经验。拥有单个承运人也可以帮助避免索赔时政策之间的灰色区域。

超额责任保险也称为伞政策，还值得考虑根据您的特定风险，包括公众出于商业目的访问您的财产。当覆盖损失超过您的主要政策限制时，过度覆盖范围提供了额外的保护层。与代理商讨论当前对政策或政策的限制，以确保您的暴露不足。

确保你的保险公司知道Agribusiness Industry

农业综合企业面临着独特的风险，可以与在该领域拥有丰富经验的航空公司合作中受益。例如，旅行者保险理解农业综新利18官网下载苹果合企业，其专业风险和解决方案所需的覆盖范围类型。威廉姆斯说：“在旅行者中，我们有专注于农业业务的敬业承销商。”“我们的风险控制和索赔专家在行业中具有深厚的专业知识。”

保险对于保护您的房屋和成长中的农场，牧场，果园，葡萄园或马匹财产至关重要。旅行者提供insurance for farms, ranches and more, that includes access to risk assessment services from risk management professionals who know the agriculture industry and its unique risks.

Contact your insurance agent or a Travelers representativeto learn more.