Farm Liability

Protect Your Farm with the Farm-Guard® Policy

The Farm-Guard® protects the members of your household against financial disaster from accidents or injuries occurring on your farm — whether you're a farm owner or tenant.

The policy provides a broad range of standard coverage as well as a variety of optional coverage to customize protection to fit your farming operation.


Public Liability - Protection against claims of negligence arising from your farming operations, use of premises, or personal acts.

Physical Damage to Property of Others - Pays for damages to property you borrow, such as farm machinery.

Medical Payments to Public - Pays for accidental injury to the public on your premises, by your livestock, or your farming operations or personal acts.

Medical Payments to Farm Employees - Covers medical expenses for accidental injury suffered by your farm employees while on the job, even if you are not at fault.

Automatic Coverage

  • Coverage for losses arising out of custom farming or feeding when receipts total less than $2,000
  • Protection from losses arising from business pursuits when receipts total less than $2,000
  • Property damage protection for accidental spray drifts of farm chemicals when applied by any means other than aircraft.
  • Contractual liability relating to the farming operations, goods or products or residence premises.
  • Pollution coverage for losses caused by windstorm, accidental collision, overturn or breakage.

Optional Coverage

  • Custom Farming *
  • Custom Feeding *
  • Residential Rental Property
  • Additional Insured
  • Business Activities *
  • Employee Occupational Liability
  • Contractual Liability
  • Home Day Care
  • Waterbed Liability
  • Personal Injury
  • Additional Premises
  • Medical Payments — Named Persons
  • Hunting and Fishing
  • Milk Contamination
* When above $2,000 in receipts

Available Premium Credits

Landlord's Liability

  • Owner Occupied — 35% reduction in premium when the landlord has leased 90% of the farm to a tenant. The landlord must not have direct control over the farm premises or any interest in the farm equipment or livestock.
  • Non-Occupied — 50% reduction in premium when the landlord does not live on the farm or have any direct control over the farm premises.

Livestock Exclusion

  • A 20% reduction in premium when no livestock are owned by or in the care, custody or control of the insured.

Country Home Option

Premium reduction when total acreage is less than 40 acres and only incidental farming operations are conducted.

This information provides a basic description of the insurance provided for this product. These summarized coverage descriptions are intended for reference and don't include policy conditions, exclusions, or limitations. For a complete description of the policy features consult your agent.