Farm/Agri-Business Package
The farm/agri-business package is very broad in terms of potential coverage. It can provide coverage for your home, personal property, and personal liability much like a common homeowners policy would. Plus you can extend coverage to include scheduled or blaket farm equipment, machinery, tools & supplies, outbuildings such as barns, shops, sheds, warehouses, silos, farm liability, employers liability, limited farm pollution, cargo, etc.
This product is available to most all types of farms regardless of size or type of farming operation. We have four different insurance carriers in Maine that specialize in writing farm accounts: Acadia, Countryway, MMG, and Rain & Hail.
Coverage concerns:
1) Are you insured on a "replacement cost" basis or an "actual cash value" basis?
2) Do you own combines or irrigation equipment?
3) Are you contracting for others (snow plowing, grading, etc.)?
Business Auto
We can insure most types of vehicles, whether they are private passenger-type vehicles (car, SUV, pickup) or farm trucks (equipment/service trucks, flatbeds, dump & bulk bodies, fuel trucks, tractor trailers). It is very common to apply lay-up credits or pro-rate the farm trucks on a 2-3 months usage to avoid having to add and drop vehicles when they are parked for prolonged periods of time. Broadening endorsements are also available that offer towing, rental, and other coverage on certain types of vehicles.
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