American farms are the original small business and part of the foundation of our economy. From small family-owned cattle farms to large crop producers, farming is quite literally living off the land. Regardless of what you grow, you need insurance that protects your livelihood and ensures the continuity of your business. There is nothing you can do to prevent disaster from striking, but you can take steps to protect your income and assets from the unknown.
Here at Mid Rivers Insurance, we help farmers throughout St. Louis, St. Peters, and the state of Missouri find insurance appropriate to their needs. We offer property and liability coverage that is fully customizable and affordable, with protection for building structures, equipment, livestock, crops, assets, and income. After all, it only takes one major catastrophe to wipe out years of hard work on a farm.
Liability Insurance for Farms
What would happen if one of your horses kicked an employee? What if you accidentally ran your all-terrain vehicle into the side of a customer’s truck? Liability is a major issue for any business. Unfortunately, if you own a lot of property, you also own a lot of risk. Our job is to help you minimize your financial exposure to issues that may arise.
We can provide a wide range of liability protection, with coverage designed to protect your business income and assets if you are responsible for another person’s injuries or property damage. Our insurance solutions can provide payments for medical bills, cover the cost of repairs, reimburse you for legal fees, and handle any judgments brought against you in a lawsuit. Examples of common farm insurance liability coverage types include:
- General liability
- Workers compensation
- Pollution/Environmental liability
- Commercial vehicle and ATV liability
- Umbrella insurance
- And more
Property Insurance for Farms
Most farms and ranches have one thing in common – plenty of property. Whether you own cattle, breed horses, grow crops, or run a nursery, chances are you have a home plus multiple buildings, equipment, machinery, and other assets to insure. Our farm property insurance solutions cover your business against a wide range of potential disasters, including:
- Theft and vandalism
- Adverse weather events
- Fire, smoke, and explosions
- The weight of ice and snow
- Falling objects
- Accidental water damage
- And more
We can provide you with peace of mind knowing that all facets of your property – from your home and barn to your hay and special equipment – are covered against potential loss. Your personalized farm insurance can help you pay to repair or replace damaged structures and equipment, as well as compensate you if you experience an interruption to your farm’s business operations due to a covered event.
Farm Insurance in St. Peters and Kirksville
If you operate a farm in Missouri, we want to help you protect it. At Mid Rivers Insurance, we believe that farm insurance should be affordable, easy to access, and simple to understand. We shop and compare rates from multiple carriers until we find a combination of coverage types that fit your unique needs and budget. Our team enjoys getting to know our customers and working closely with you to better understand the risks you face on a daily basis. Call us today to speak directly with a helpful and friendly insurance representative. We look forward to serving you soon.