Agricultural Business Insurance
Agricultural businesses, from traditional farm and ranch establishments to wineries and breweries have particular risks that may be unique to the industry. Virginia business insurance policies can help you understand and protect yourself and your business.
Farm insurance can cover a variety of farming businesses from fish farms and hatchers to specific animal farms such as horse, cattle, sheep and goats. Policies may also be written for coverage of post-harvest crop activities, crops grown under cover and for harvesting crews. Programs can include different coverage types such as:
- Farm property coverage protects structures such as barns, stables and silos.
- Dwellings, personal household property and equipment may also be included.
- Farm liability insurance protects against bodily injury and property damage as well as medical payments.
- Comfort coverage may also be available for borrowed farm equipment, livestock, and private power and light poles.
Specialized insurance offers protection to meet the challenges of breweries and wineries. Although craft breweries can be seen as small enterprises, large production runs and distribution channels may expose them to significant financial risk. Micro and nano breweries have small production runs yet carry the same or similar risk as larger establishments.
General liability and property insurance policies can be similar to standard commercial insurance. However, liquor liability and umbrella coverage may need to be designed to meet the needs of specific brewers. Virginia business insurance can help protect small businesses from the volatility a lawsuit or catastrophic event can cause.