VEGETABLE & FRUIT FARM INSURANCE

Our policy is designed especially for fruit and vegetable growers like you! It protects your:

  • Buildings, where you store the equipment you need for your fruit and vegetable operations;
  • Machinery and equipment, which you depend on to plant and/or harvest your fruits and vegetables; and
  • Liability exposures, which may include damages caused to others arising from your premises, your operations, or the products you sell.

We also offer additional coverages specific to fruit and vegetable operations.
Property Protection

Temperature-Sensitive Property
Spoilage is a hazard to your refrigerated products and supplies, such as the apples or other produce you store. When an electrical interruption or mechanical or electrical breakdown of a refrigeration system causes spoilage, this endorsement provides coverage.

Peak Season
When your inventory of fruits and/or vegetables fluctuates significantly, you may need to adjust your insurance limits accordingly. You can increase your limits for specified items, at specific locations, and for a specific period of time with this endorsement.

Mechanical Breakdown
Our policy provides equipment breakdown coverage up to the limit you select on each building. It also provides additional coverages for speeding repairs, cleaning up hazardous substances, and handling contamination due to chlorofluorocarbons.

Business Income Protection

Extra Expense
If you’re planting or harvesting equipment is damaged, you may incur the extra expense of renting another to continue your operations until yours is repaired. This endorsement covers these extra expenses after a covered loss. And you can select limits that best meet your needs.

Disruption of Farming Operations
This endorsement covers your extra expenses plus your business income losses. A business income loss is the profit you lose when you cannot resume your operations due to a covered loss to your buildings or equipment.

Liability Protection

Farm Chemical Application
When you apply ag chemicals to your crops, those chemicals can drift and cause damage on the land of others. We provide coverage up to $25,000 for such incidents when chemicals are applied by means other than an aircraft. You can increase this limit up to $100,000 by endorsement. Ask your agent to explain other pollution endorsements that may be available in your state.

Market Sales Liability
We provide liability protection when your product is sold wholesale. You also can select additional protection by endorsement for when you sell products directly to the public.

  • U-Pick Operations – When you allow the public to pick fruits or vegetables from your orchard or row crops, this endorsement offers liability protection when your annual receipts for such sales are less than $20,000. For larger operations, ask your agent about a separate commercial general liability policy.
  • Farmers’ Market Sales – When you sell your produce at a farmers’ market, this endorsement provides liability protection when your annual receipts for such sales are less than $20,000.
  • Roadside Stand Sales – When you sell your produce at a roadside stand, this endorsement provides liability protection when your annual receipts for such sales are less than $20,000.
  • Market Sales Above $20,000 – If annual receipts from your market sales operations exceed $20,000, we offer a separate commercial general liability policy.
  • Processed Fruits & Vegetables – If you bake, can, or in any way process your produce before it is sold, you can protect your liability exposures with a separate commercial general liability policy.
  • Agritourism or Agritainment – If you operate hay rides, corn mazes, or other such activities, ask your agent about a separate commercial general liability policy.

Vendors of Your Product If a retail store sells your produce for you, the store owner may ask for proof of insurance and request to be listed as a named insured on your policy. This endorsement includes coverage for the store owner for injury or damage from distributing your products. Coverage also can be written on a commercial general liability policy.

Vege & Fruit
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