Farm Insurance

As a farm owner, you have a great interest in protecting your property that serves as a home and a business. Whether you are a full time farmer or farm as a hobby or specialized farmer, The Ayres Group can offer a comprehensive farm owners package that is flexible to your specific farming needs.

Our Farm Owners Insurance Program can offer the following coverages:

Property Coverage

• Dwelling- ACV or Replacement Cost
• Personal Property- ACV or Replacement Cost
• Farm Outbuildings- ACV or Replacement Cost
• Farmowners Personal Property
• Business Income
• Standing Grain
• Limited Pollutant Clean Up
• Leased & Borrowed Farm Machinery
• Equipment Breakdown
• Damage to Crops & Fences
• Recreational Vehicles
• Off Premise Power Failure
• Peak Season
• Spoilage
• Livestock

• Farm Property Broadening Endorsements

Personal & Farm Liability

• Personal Liability
• Farmowners Liability- including premise, products & opertations
• Medical Payments to Others
• Damage to Property of Others
• Limited Pollution Coverage

Automobile

• Personal & Farm Vehicles
• Auto Liability
• Physical Damage
• Hired Auto Liability & Hired Auto Physical Damage

Workers Compensation

• For full time, part time or seasonal employees

Umbrella

• To provide an extra layer of liability coverage over your personal  & farming exposures

• Orchards
• Hobby/gentleman farms
• Dairy farms
• Sod farms
• Aquaculture farms
• Specialty farms (alpacas, llamas)
• Grain farms
• Livestock