Insurance for draft-powered farms

We use Farm Family. I think the only difference from a regular farm policy is that we have the horses covered on-farm in case anyone gets hurt, I don’t think it matters that they work or not, just that you have them and your butt is covered if something freakish happened. If you talk to a regular farm insurance firm, they should know how to handle horses, the non- farm groups start to through weird policies your way because they don’t know how to handle them.

Erika

We have an extensive corporate policy after incorporating as a business. Concord group bundles all our insurance (we are in NH) and though they are wicked expensive we are well covered for liability on and off farm for all activities we and our agent could dream up.
I also carry a personal umbrella policy that covers for anything (farm related or not) not covered by other policies, and covers if any claim payout is greater than other coverages.
It’s a lot, and expensive, but seems complete.

Yes, They covered the dairy, now beef, ice cream, sugarhouse, Sam’s building business and timber harvest, off farm hay rides, DAPNet plow clinics, vegetables etc. The horses are under the main farm policy and are covered in case some moron goes into the pasture and gets hurt, but also covers on-farm hay rides, and when they are at competitions. If we do off farm rides, that is a whole other ball of pricey wax, so we dropped that because we don’t do enough to cover the insurance.

Erika