Farm

Insurance Products

We offer many insurance products to provide you with livestock, farm, ranch and agribusiness protection.

Grape harvest Farm and Ranch Insurance
Horse Owner Insurance
Care, Custody or Control Insurance
Livestock Mortality Insurance
Equine Liability
Liability Catastrophe Insurance (Umbrella)

Ways to save money

Farm and Ranch Insurance

It is important that your horse operation be protected with a strong financial background and strong equine experience. These qualities are nowhere more apparent than in our strong Equine Farm and Ranch Policy.

We've been providing this and other fine products supported by an in-house staff specially trained to handle equine operations.

This Farm and Ranch Policy offers one of the industry's broadest and most comprehensive products available to the modern-day horse farm owner at a competitive price.

Coverage can be custom designed to meet the specific needs of your operation, from a small acreage pleasure farm to a multiple location commercial farm.

Highlights Include:

Eligibility
Individuals. partnerships, corporations, limited-liability corporation (LLC) owner or tenant operator.
Format
Multi-line policy able to include dwelling, personal property, farm property, farm personal property, liability, auto, care, custody or control, watercraft, auto, truck, trailers and umbrella in one policy.
Professional Liability Coverage
Can be included for Horse Trainers
Livestock Mortality
Specialized Coverages

Agribusiness Policy Coverages

Standard Coverages

Coverage A – Farm Dwelling:

Farm dwellings and structures attached to covered dwellings
Trees, shrubs, plants and lawns within 250 feet of a covered dwelling for up to $2,000
Optional coverages:

Replacement cost on dwelling (including ordinance and law option)
Inflation guard for dwelling and structures

Coverage B – Other Private Structures:

Unattached structures appurtenant to the dwelling, $250 on outdoor radio and TV antennas and satellite dishes.

Coverage C – Household Personal Property:

Furniture and household contents
Standard limits for personal articles*
Increased "Special limits of Insurance"*

Coverage D – Additional Living Expenses:

Coverage for necessary increases in living expense if a covered cause of loss renders your home uninhabitable

Coverage E – Scheduled Farm Personal Property:

Farm machinery, irrigation equipment & livestock
Newly acquired farm machinery is automatically covered for $100,000 for 60 days
Replacement farm machinery is automatically covered for $100,00 for 60 days
Farm machinery damaged by contact with roadbed or ground
Farm machinery damage caused by contact between a tractor and an implement during towing, hitching or unhitching operations.
Primary coverage for borrowed, rented or leased farm machinery
Theft of miscellaneous tools and equipment on or away from insured premises

Coverage F – Blanket or Unscheduled Farm Personal Property:

Farm machinery & livestock
Unscheduled farm machinery and equipment at or away from insured location
Farm products in the open for certain causes of loss
Property in the custody of a common or contract carrier up to $1,000
Cost of restoring farm operations records up to $2,000
Extra expense you incur to resume normal farming operations interrupted due to a covered cause of loss

Coverage G – Other Farm Structures:

Farm buildings and structures other than dwellings
Newly constructed farm structures automatically covered for $250,000 for 60 days
Private power and light poles
Outdoor radio and TV equipment, antennas, and towers
Fences, corrals, pens, chutes and feed racks
Silos, portable buildings an portable structures
Improvements and betterments
Building material and supplies kept on or adjacent to the "insured location"

Liability Coverages:

Basic and comprehensive liability coverage for Bodily Injury and property damage to others.
Liability for personal and advertising injury
Product liability
Fire legal liability for $50,000
Equine business liability
Professional Liability Coverage - can be included for Horse Trainers

Additional Coverages at no extra cost:

Pollutant cleanup & debris removal for $10,000 (can be increased)
Fire Department service charge with no sublimit
Damage to property removed for safekeeping to avoid further damage by a covered cause of loss (for 30 days and up to $100,000)
Removal of fallen trees near your residence up to $2,000

Agri Plus II Endorsement:

$10,000 for hay
$10,00 for computer equipment & software
$10,000 for miscellaneous equipment
$10,000 for office equipment
$10,000 for transportation of farm personal property
$50,000 limit for hay per stack (increased from $10,000)
$250,000 for new farm structures (increased from $100,000)
$250,00 for newly purchased farm machinery and equipment (increased from $100,000)
$10,000 rental reimbursement for mobile farm machinery and equipment
Replacement cost value for partial loss under Coverage E or F for agricultural machinery

Increased Special Limits on Household Personal Property – Coverage C:

$400 for money or gold
$2,000 for gravemarkers
$3,000 for securities or letters of credit
$3,000 for watercraft, outboard engines, watercraft furnishings and trailers
$3,000 for furs, jewelry, precious stones and watches
$5,000 for "business property" on the insured location
$500 for "business property" off the insured location
$5,000 for silverware or goldware*
$5,000 for firearms
$500 for credit card and fund transfer card forgery and counterfeit money
$1.,000 for household personal property away from the insured location

*Theft only

For an actual description of all coverages, terms and conditions, refer to the insurance policy. Some coverages not available in all states.

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Horse Owner Insurance

As a horse owner, you appreciate not only their beauty but their value as well. You need to protect your investment. Travelers provides a broad range of coverages including; Equine Mortality, Stable Liability, Care, Custody and Control, as well as customized endorsements to meet the needs of horse owners. Our agents will work with you to create the appropriate coverage at the most reasonable price.

Special Coverages for Horse Owners:

Equine Mortality:
      • Including accident, injury, sickness and disease.
Stable Liability:
      • Liability coverage for stable owners' operations
Care, Custody and Control:
      • Covers livestock which are in your care, custody and control
Equine Property Endorsement
A $125 endorsement automatically provides *:
      • Up to $10,000 for damage or loss to tack and equipment
      • $1,500 for spoilage of animal health products
      • $3,000 for replacement of signs and entrance gates
      • $3,000 for fences, corrals and pens
*Higher Limits Available

Standard Coverages:
Dwellings, Household and Scheduled Personal Property, Liability Coverages, Blanket or Unscheduled Personal Property, Additional Living Expense, and Additional Coverages such as pollutant and debris cleanup and fire department services, at no extra cost.

Optional coverages such as Disruption of Operations, Business Income, Computer Coverage and more, are also available.

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Care, Custody or Control Insurance

Equine Care, Custody or Control insurance is an essential coverage for all horse operations which involve non-owned horses, and includes boarding, breeding and training. Standard General Liability Insurance excludes coverage for personal property (horses are an example) in your Care, Custody or Control Care. This coverage fills this void by promising to pay all sums you are legally obligated to pay for damage to non-owned horses in your care, custody or control. This coverage does not apply to horses that you own or lease. Mortality Insurance is designed for these needs.

Your policy will cover up to the chosen policy limits for the injury, theft or death of the horses in your Care, Custody or Control.

Policy limits are available up to $2,500,000 per horse, and $5,000,000 maximum loss per policy year.

Coverage Includes defense costs for lawsuits including the cost of bail bonds, interest on judgments against you and expenses you incur at our request to assist in the defense, including loss of earnings, up to $100 per day.

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Livestock Mortality Insurance

The Livestock Mortality Policy is a Life Insurance policy on your horse, with the Insured as beneficiary. It is an "All-Risk" policy that will cover death from any cause, subject to certain exclusions that are stated in the policy. We will also pay you if your horse is stolen.

We will pay the actual value of the horse at the time of the accident or illness causing its death, not exceeding the value specified in the schedule.

We will issue a Livestock Mortality Policy provided the insured horse is in sound health at the inception of the policy. We also assume you will provide proper care and attention for the horse and that you will employ a veterinarian at your expense if the horse suffers any illness, disease, lameness, injury, accident or physical disability. Also, if your horse dies, you are required to arrange and pay for an autopsy.

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Equine Liability

Equine Liability Classifications:

39080 Livestock Sales (not products
39081 Retail Tack Shop - on stable premises
39082 Product Liability
39087 Blacksmithing by Insured
39089 Horse Shows - Single Events
39073 Private Saddle Animals
39074 Stables - Boarding
39075 Stables - Training
Carts, Buggies, Wagon
39079 Riding Clubs & Academies
39077 Instructors Liability

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Liability Catastrophe Insurance (Umbrella)

Our Liability Catastrophe policy provides broad catastrophic umbrella protection over and above Farm, Auto and Watercraft primary liability coverage. In today's environment - characterized by rising values and an increasingly litigious society - often times primary liability limits of $500,000 to $1,000,000 prove disastrously inadequate to protect your assets.

The policy includes defense coverage plus some additional coverages not included on primary liability policies. Available limits range from $1 million to $25 million, with very competitive pricing and a self-retained limit of only $1,000.

Certain exclusions and conditions apply. This information is not the actual policy and only highlights coverages.

It is important to discuss all policy coverages, conditions and exclusions with us before selling any insurance plan.

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Ways to Save Money

If you have a newer house, it will qualify for our New Home Discount.
If you have approved and properly maintained installation of burglar alarms and fire alarms, you will be afforded our Protective Devices Discount.
If you have both your Auto Insurance and your Farm/Ranch Insurance with us, you will qualify for a discount.
Claim Fee Discount
Auto/Truck Fleet Discounts
Volume Discounts

Important notice: The information contained within this web site is meant to provide only a simplified description of our products and coverage's. These are not statements of contract or a binding process. Please refer to the original policy for all terms, conditions, limitations and exclusions.

Sage Insurance is licensed in: Oregon #811346, Washington #183315, Idaho Non-Resident # AG084328, Resident #AG134350, Nevada #10373, California #OD34031, Arizona #116594, New York #PC940862, Ohio #28048, Utah #105283