Farm and Livestock Insurance for Southwest Virginia including Marion, VA, Smyth County, Wythe County, Washington County, and the Surrounding Areas
There is no doubt that many families can trace their roots back to the agricultural history of Southwest Virginia. And today there are still plenty of farms and families working the land as farm owners. We know the hard work that goes into keeping a farm running 7 days a week, 365 days a year. There is no doubt we have a special admiration for the hardworking folks in our local agriculture community, and we will do our best to get the protection for everything they’ve worked so hard for.
Farm owner insurance is a hybrid of homeowners insurance coverage, commercial business insurance and its own specialty farm insurance. Farm owner insurance takes into consideration:
- Property coverage of home, outbuildings, storage, silos and more
- Liability coverage for employees, another’s property or person and more
- Medical payments for medical bills sustained by injury on your property
- Additional living expenses in case of the need of temporary housing or a hotel stay
As you can tell, farm owners insurance covers many different aspects of personal property and assets as well as business insurance and liability. With all these different aspects, getting the right coverage can start to get confusing and time consuming. We’ll be happy to do the searches for you to bring you the options the fits within your budget.
Livestock insurance for Farms, Stockyards and Ranchers
Livestock insurance, sometimes referred to as cattle insurance, protects the interests of your livestock in the case of an accident or premature death. This can include accidents during transportation, death from floods or disease, or other unexpected death. Livestock are considered to be commercial or personal property.
The type of livestock insurance you decide on will include a number of different factors including:
- Type of livestock – cattle, pigs, horses, sheep, or more exotic such as bison, llamas, or alpacas
- Type of business – the needs of a large feedlot vs a small farm with a couple of cows or horses
- Type of insurance – liability insurance from accidents, such as riding horses
There are many other different considerations for livestock insurance we will be happy to go over and make sure you have coverage for. The agents at Slemp Brant Saunders have been helping farm owners get the right coverage in Chilhowie, Rural Retreat, Atkins, Sugar Grove, Bristol VA and Bristol TN, Abingdon, Glade Spring, and Meadowview, and surrounding areas for decades. Contact us today.
Farm Equipment insurance
Farm equipment may be one of the largest expenses any farm has. The single purchase of an essential piece of equipment can include payments that stretch out over years. Without this equipment, such as your tractor, your farming could come to a standstill. Keeping your equipment in working order and available at all times is essential to continuous operation.
Farm equipment insurance covers:
- Seeders and planters
- Wagons and trailers
- And more.
Specific equipment, such as irrigation, or those you are renting and borrowing can also be added. Think of any equipment used year-round in your farming business or that is absolutely essential, and this will start the list of what to include in your farm equipment insurance policy.
Farm Property insurance for Smyth, Wythe, and Washington Counties
The weather can be unpredictable in southwestern Virginia. Hailstorms, snow, windstorms and more can affect any area of the property on your farm. Think of the tall structure of a silo, the flat side of the barn and you will start to see what can happen with a strong windstorm or heavy snow buildup on the roof.
Farm property insurance can be written to include all the outbuildings on your property including:
- Dry and cold storage units
- Sheds and garages
Farm property insurance can also include any of the equipment and machines used in the above.
Farm Liability Insurance
We mentioned the need for liability coverage earlier when we mentioned covering employees, another’s property or person, and more. There are also some other considerations to take for other types of farm liability insurance:
- Commercial liability – if you make anything on your farm for sale, you will have to start considering commercial liability insurance. For example, if you have an orchard and make cider, butter, jam, or a processed product for commercial sale, you will now need commercial farm liability added to your farm insurance policy.
- Pollution liability – the government expects you to be responsible for any type of pollution cleanup. This can include pollutants from fertilizer, processing chemicals or even livestock waste from your farm or during transport.
We have gone over some of the considerations for farm insurance for Wythe, Smyth and Washington Counties including Bland, Damascus, Troutdale, Saltville, and the surrounding areas but trust us when we say there are many more considerations. Call Slemp Brant Saunders Insurance Agency to schedule a time when you’re ready to go over your farm insurance needs.