Making your living from the ground can be hard work. Knowing your Farm Insurance is exactly what you need shouldn’t be. Let HWC Insurance tend to the insurance, while you tend to the farm.

Farming is no longer a barn, some crops and a few head of livestock. Today’s farm operations are sophisticated and technological business ventures. The right insurance coverage is vital to success of your farm. Our team of insurance brokers have the experience to recommend the proper coverages for your farm.

 

Local farms provide for our communities;


  • Local Fruits & Vegetables
  • Cash Crops
  • Dairy & Beef
  • Poultry
  • Hogs

Barns & Farm Buildings

Farm buildings today are becoming larger and even more important to your farming operation. Our office can help to make sure you have proper limits by using our rebuilding cost evaluation tool.

Livestock

Cover all forms of livestock including Dairy/Beef Cows, Poultry, Swine, Goats and Sheep. Ask us about extended coverages available like Mortality and Avian Flu.

Business Interruption

Losing a key farm building can have a disastrous impact on your farm income. Business Interruption coverage can make sure that in the event of loss to a key farm building the financial position of your farm remains viable.

Tractors & Machinery

Protect your equipment from obvious losses like Fire & Theft, and from the less obvious ones like Stone Pickup on your harvesters or combines. Stone Pickup can cause extensive damage and leave you without a key piece of equipment during a busy season.

What does your coverage come with?


A Farm Insurance policy includes coverage for your personal items and your farming operation such as;

Family Home

Rented Dwellings

Farm Buildings

Machinery & Equipment

Livestock

Produce

Farm Liability

Loss of Income

 

Get a Farm Insurance Quote


Let us help you find the right coverages for your farm.

FAQs.

I need a certificate of insurance and my broker is asking for an agreement. Should I provide the agreement to the broker?

Yes. The agreement will describe the work that is to be done. By providing this, your broker will be able to confirm if your policy will cover this work. If not, your broker can advise you accordingly. As well, the agreement will specify what insurance coverages are needed in order for you to fulfill your end of the contract.

What is Tenants Legal Liability?

It is a coverage under the liability section of your commercial general liability policy that provides coverage for loss or damage caused to the rented property.

Why do I need to keep inventory of my tools and equipment?

We recommend keeping an up to date inventory list of your tools and equipment so that if a loss should occur, you'll be able to provide your claims adjuster with the exact information of what was lost.

I’m a Hairstylist, does my Commercial General Liability policy cover me as a professional?

No! You will need professional liability coverage to respond if a loss should occur while working in your profession.

Do I need cyber coverage for my business?

Yes! Any business who stores client data of any sort should have cyber coverage in place