Does your coverage match your farm operation?
Reviewing your policy with us every year or two can help ensure you’ve got the protection you need while avoiding unnecessary expenses.
To make the process easier, we’ll work with you onsite at your farm. We’ll look at your coverage and operations and update your file to make sure you’re adequately insured based on your property, equipment and the type of work you do.
Why do we conduct farm reviews?
- To ensure that your farm is safe. We look for opportunities to help you prevent losses to your farming operation, protecting your livelihood and your safety. We’ll check for onsite exposures or unsafe conditions that may lead to injuries, including an assessment of the overall general condition of your heating, plumbing and electrical systems and equipment.
- To update your coverage if necessary. Any changes to your operation can mean a change to the terms or limits of your policy. We’ll calculate the current replacement value of your farm and contents to ensure that you are fully covered in the event of a claim.
- To ensure that you are receiving all available discounts. Improvements to your farm and surrounding property can mean you are eligible for additional discounts.
How are farm reviews conducted?
All reviews are conducted by our agents or by contracted, qualified inspectors who will visit and appraise your farm property, buildings and equipment. When the review is complete, our agent will make coverage recommendations and our loss control department will conduct a survey if further assessment is required. If any problems or concerns are discovered, the inspector will offer suggestions and recommendations on how to make corrections.
Your farm review is a great time to ask any questions you might have, whether it’s about insuring a new piece of equipment or covering new livestock under your current plan. We can also go over the limits of your policy and discuss whether you’re comfortable with your deductibles.
Call your local Financial Advisor today to book a free farm review. It’s a small investment of your time that could pay big dividends.