Farm  Ranch  & Estate  Policy

Allen Financial Insurance Group and The Equestrian Group have been servicing agribusiness and equestrian related risks for over thirty years.  In the event of a loss, our customers are secure in the knowledge that their claim will be processed by our in-house staff specially trained to handle agribusiness losses. 

The Rain & Hail  Farm, Ranch & Estate Policy offers some of the industry's broadest and most comprehensive coverage available to the  ranch or farm owner at a competitive preferred price.

Coverage can be custom designed to meet the specific needs of your operation, from a small acreage hobby farm to a multi-state commercial farm.

 

Highlights

	Eligibility  Individuals. partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator.
	Format  A Multi-line policy able to include Dwelling, Outbuildings, Personal Property, Farm Equipment, Farm Personal Property, Farm & Stable Liability, Automobile, Livestock care custody control, Watercraft, and Umbrella in one package.
	Deductibles  $250 to $25,000
	Fire Department Service  No limit, no deductible

Specialty Markets                      Available States

	Cotton Gins
	Dairy Operations
	Farm Products
	Farm Supply Stores
	Feed Manufacturing
	Feed Yards
	Feed, Hay and Grain Dealers
	Fertilizer Dealers & Blenders incl Application
	Flour Milling
	Food Processing
	Fish Processing & Farms
	Fish or Seafood Processing
	Elevators & Grain Handling Facilities
	Grain Milling
	Produce Packing
	Seed Merchant

COVERAGE B -- OTHER PRIVATE STRUCTURES
 

Limit 20% of dwelling limit for unattached structures appurtenant to the dwelling not used for farming purposes. No distance limitation.  Higher limits available for charge.

COVERAGE C -- HOUSEHOLD PERSONAL PROPERTY
 

	Limit 50% of dwelling limit is standard. Higher limits available.
	Property off premises $1,000 worldwide
	Special Limits  $2,000 for grave markers  $3,000 for securities and letters of credit  $3,000 for furs, jewelry, precious stones and watches  $5,000 for firearms  $   400 money, gold, platinum, silverware  $3,000 for watercraft, outboard engines, watercraft furnishings and trailers  $5,000 business property on premises, 10% off premises  $5,000 for silverware or goldware.
	Replacement Cost  For nominal charge, Coverage C Limit automatically increased to 70% of dwelling limit.
	Refrigerated Products  $500 for refrigerated household contents. No deductible
	Credit Card  $500 for credit card and fund transfer card forgery and counterfeit money.

COVERAGE D -- ADDITIONAL LIVING EXPENSES
 

Coverage for necessary increases in living expense if a covered cause of loss renders your home uninhabitable.  10% of dwelling limit

	Disruption of Farming Operations
	Earthquake
	Equine Professional Services Endorsement
	Identity Theft Protection
	Farm Computer Coverage
	High Value Dwelling Endorsement
	Trainers Professional Liability
	Livestock Breeders Endorsement
	Livestock Collision Endorsement
	Beekeepers Endorsement
	Watercraft Hull Coverage
	Agricultural machinery rental reimbursement
	Extra Expense and Business Income Coverage
	Transportation Coverage increased limits
	Enhanced Pollutant Cleanup Endorsement
	Sump overflow and water backup from sewers and drains

Rain & Hail Farm Policy Coverage Options

  Orchard & Vineyard Endorsement

• $25,000 replacement cost for damage to tree or vines at insured location
• $25,000 for loss or damage to harvested orchard or vineyard products at insured location
• $10,000 for loss or damage to harvested orchard or vineyard products at other than insured location
• $5,000 for loss or damage to harvested product in the custody of common or contract carrier
• $5,000 for un-collectable bills due to product damage shipped at buyers risk
• $3,000 replacement cost for unscheduled signs

  Dairy Endorsement

• $10,000 for spoilage of owned milk
• $10,000 contamination of owned milk
• $50,000 for hay, straw and fodder
• $2,000 per animal livestock collision
• $10,000 additional extra expense coverage
• $1,000 per animal livestock theft ($5,000 per occurrence)
• $100,000 limit for hay per stack
  (increased from $10,000)
• Contamination of non-owned milk

• $10,000 Tack & Equipment
• $5,000   Signs & Entrance Gates
• $3,000   Fences & Corrals
• $1,500   Feed & Supplements

• Tack equipment including harnesses, bridles & saddles
• Blanket single limit of coverage
• Tack off premises extension

• Dwelling replacement cost loss settlement up to 125% of Coverage A
• Appurtenant Garage increased to 20% of Coverage A
• Ordinance of Law added up to 30% of Coverage A
• $10,000 for credit cards, fund transfer cards, forgery or counterfeit currency
• $7,500 Arson Reward
• $2,000 Electronic Data Restoration
• $1,000 Refrigerated Products
• $1,000 Fire Extinguished Recharge
• $500 Lock Replacement
• Removal of fallen trees

                              COMPREHENSIVE PERSONAL & COMMERCIAL GENERAL LIABILITY

Limits

Occurrence	$300,000 - $1,000,000
General Aggregate	$600,000 - $2,000,000
Aggregate Products/Completed Operations	$600,000 - $2,000,000
Personal / Advertising Injury	$300,000 - $ 1,000,000
Chemical Drift Aggregate	$25,000 - $500,000
Medical	$5,000
Fire Legal Liability	$100,000
Excess Umbrella Liability	$5,000,000

	Newly acquired or leased premises: Automatically covered during policy term. Must be added at renewal to be covered.
	Broad Form Contractual: Included
	Custom Farming: Included when receipts less than $10,000
	Pollutant Cleanup $10,000 including debris removal (can be increased)
	Automobile: Optional
	Personal Injury: False arrest, slander, wrongful entry and eviction covered
	Advertising: Included
	Incidental Business Pursuits: Available subject to underwriting guidelines for charge
	Catastrophe Liability: Excess liability available with limits $1,000,000 to $25,000,000
	Care, Custody & Control Optional coverage for horse of others under your control with limits $5,000 to $250,000

Claims Service: 24 hours, 7 days a week toll-free Claim Action Hotline puts you in immediate contact with a claim service representative, enabling you to report claims quickly and efficiently. Prompt reporting helps mitigate the risk of injury or damage and expedites claim handling.