Farm Insurance Quote Forms
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Farm Insurance Information
Insurance For Farms Across Minnesota
Fosston, Bagley & Mahnomen, Minnesota
Whether you’re a local grower or a large cultivator, we understand the value of insuring your greatest asset. At Lindfors Insurance Agency, we’re dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation
We know that you work hard as a farmer, and at Lindfors Insurance Agency we want to extend that same courtesy to you by keeping your farm and everything on it insured. Our insurance specialists are sensitive to your individual needs and will work with you to find a policy that best suits your farm or ranch.
What Does Farm Insurance Cover?
To cover the unique risks that farms face, Lindfors Insurance Agency offers coverages such as:
Farm liability insurance is the main type of liability insurance that farms can carry. This insurance is also known as general liability insurance and covers bodily injury or property damage that may occur on the farm. This is especially important if your farm offers tours, hayrides or horseback riding. General liability insurance provides compensation for medical expenses and helps the farm with legal fees and costs if sued by the victim.
Keep in mind that general liability insurance does not cover claims filed by employees of the farm. If an accident occurs involving an employee, you will need workers compensation in order to pay for the damages. Workers compensation insurance covers medical expenses, lost wages and even funeral expenses if an employee is injured on the job. Most employees are required to carry workers compensation in Minnesota.
Crops and Livestock
Many farms make the bulk of their profit off of crops or livestock, some a mixture of both. A bad storm could ruin crops and a stolen animal could mean a drop in profits. Crop insurance and livestock insurance provide compensation for loss or damage to your crops or livestock as a result of:
Livestock insurance can even provide compensation if the animal is injured or killed while in transit. Common livestock covered under this insurance includes bison, cattle, sheep, alpaca, pigs and chickens.
Farm equipment is one of the most important aspects that keeps a farm running. This insurance can cover tractors, combines, farm tools and supplies, irrigation equipment, wagons, hay rakes, planters, or sprayers. It covers against natural disasters and other incidents involving fire, theft, vandalism and explosions.
Additional Coverages We Offer
- Farm Owners Insurance
- Equine Insurance
- Farm Dwelling Insurance
- Farm Structures Insurance
- Farm Auto Insurance
- Farm Umbrella Insurance
Protect Your Farm Today
Lindfors Insurance Agency works hard to protect farms throughout Minnesota. Speak with an insurance agent at (218) 435-6585 or fill out an online quote form to get started today.
Common Farm Insurance Questions
Farm insurance is a term for a type of business insurance policy geared specifically for farms. Since farms face unique dangers, they need unique coverages for protection. Coverage can be added to these policies as the farm needs.
Depending on your specialty and location, you may be required to carry certain types of farm insurance. Commercial auto insurance, for example, is required in most states for vehicles used for work purposes, such as your farm’s trucks. You should have a reliable farm insurance policy set in place before you start business.
Farm insurance protects different physical and financial aspects of your business that could cause your farm heavy turmoil otherwise. Not many farmers have the funds to replace crops, equipment or cattle all out of pocket after an accident, which is where farm insurance comes in. This insurance helps carry the financial burden so that you can continue pushing your business toward success even after an accident.