Farming is an American tradition. It’s rewarding, fulfilling, and hard work. However, when you operate a farm, your responsibility extends far beyond simply making sure your crops grow. You must also take the necessary precautions to keep your operations safe. Farmers are vulnerable to a number of liability risks and often have limited means for protecting themselves should something go wrong. This is why having adequate insurance is crucial. Here are a couple types of coverage every farm owner should consider.

What Insurance Solutions Will Help Minimize Farm Liabilities?

1. General Liability 

With so many things happening in one place, the potential for damages is high. General farm liability insurance is designed to cover bodily injury or property damage that may happen to occur on your farm. Your policy will also pay for their medical expenses and additional damages they incur as the result of the incident. Your insurance company will also defend any legal suit against you that is seeking damages on account of such bodily injury or property damage.

2. Farm Worker Liability 

Farm worker liability insurance helps to cover the injury of any on-site professionals working or volunteering on your farm, such as part-time, seasonal, or full-time employees. If they are injured in their duties, your policy will pay for the losses arising from medical payments or lawsuit.

Unfortunately, having your employees fill out waiver forms isn’t enough to protect against the unique risks that come with running a farm. The good news is Farmers Co-Operative Insurance has a team of knowledgeable and experienced agents that can assist you in finding the insurance you need. Based in Vanceburg, KY, they’ve proudly been providing individuals and businesses with reliable and affordable coverage solutions since 1938. You can count on them to help you customize a policy that allows you to be carefree. Call (606) 796-2611 to learn more about the products they offer, or visit them online to request a quote.