Hello, my name is Derick Henning and if you are interested in running your own small business, you'll discover a lot of information in my blog. My neighbor owns a small business and we often talk about some of the challenges he faces as a business owner. I enjoy talking to my neighbor about his business and I've actually learned a lot of information about being a business owner. I understand that opening a small business is a big step and in this blog you'll learn many tips that can help you get through almost any situation. I'm very proud of my neighbor for taking that first step and opening a business. By writing this blog, I want to help other small business owners succeed.
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When it comes to farm insurance, you likely picture a life-long farmer with field after field of crops as the person who would most benefit from an insurance policy. But even if you are not farming for your livelihood, your small, more casual farm may still need its own insurance. Here are a few reasons why contacting a farm insurance agent today is a good idea.
Your Pick Up Truck Isn't Covered for Farm Use
If you have a large vehicle, like a pick-up truck, that you use for daily tasks but also use on the weekends when tending to your small farm, you need to double check your auto insurance policy. In most cases, you may find the average auto insurance policy does not cover using the vehicle for farm work. If the vehicle is damaged in some way while tending to your farm, you may be in for a large repair bill that won't be covered. A farm insurance policy can offer protection for the vehicles and equipment you use to tend to the farm in addition to the actual crops.
While we're on the subject, you should know the same logic likely also applies to your homeowner's policy. That provider may cover most things on your property but a farm can be a special case that needs its own insurance.
Small Farmers Can Still Be Held Liable
Even if you aren't mass producing crops, you're probably either selling your goods at a local market or giving them away to family and friends. But what happens if someone who purchases your crops ends up getting sick? If your crops become infected with bacteria and you don't find out until it's too late, you could end up getting sued, even as a small-time farmer. Farm insurance will protect you against liability in situations like this. If you get sued without insurance, chances are it could end up costing you much more than just the farm.
Get Reimbursed If Things Go Bad
Even if your farm is not your main source of income, chances are your family has gotten used to the extra revenue stream that you've worked hard over the years to grow. If your crops go bad due to a natural disaster or even if it's just a really bad season weather-wise, farm insurance may offer a payout that can help keep at least a little bit of money coming in. This will ensure your family can continue to live at the same comfort level until the farm recovers.
Contact a farm insurance agent today for more information, or visit websites like http://www.wrg-ins.com/.
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