Sterner Insurance Agency - Apple Valley, MN
952-432-1111 - Business, Commercial, Auto, Home & Life Insurance, Apple Valley, Minnesota Apple Valley, MN
Farm and Ranch Insurance
Sterner Insurance Agency - Apple Valley, MN Your Farm Insurance Expert
Farm Implements, Machinery & Tools
Product Liability Insurance: provides coverage against injury or illness resulting from ingesting your farm products.
Premise Liability Insurance: covers the farm or ranch in the event of accident or physical injury to anyone visiting the farm.
An endorsement also known as a rider, addendum, or attachment is a written document attached to an insurance
policy that modifies the policy by changing the coverage of the policy. An endorsement can add coverage for acts
or things that are not covered as a part of the original policy and can be added at the inception of the policy or
later during the term of the policy.
An endorsement is simply the specific coverage that an underwriter has agreed to cover with a specified limit of
liability, usually an amount greater than the insured’s collective assets.
If your farm has a roadside stand, you may be able to include this in your farm policy whether or not it is on your
property, but you must clarify this with your agent.
Limited liability coverage is for products that your customers are ingesting. The recommended amount of
coverage for property and liability is based on the farm’s net worth and five years of earnings.
Commercial General Liability
Commercial general liability policies combine liability insurance with property insurance. This might meet
the needs of farms that process foods, sell flowers, non-edibles, or have the public on the farm. This policycan
have an “event endorsement” that will cover any injuries or mishaps that occur when you invite thepublic onto your farm.
Activities such as on-farm stands, U-Pick crops, farm tours, or other agritourismrelated events should all be well
defined within your coverage.
Crop insurance is an essential Risk Management Tool for today's Farmers. Crop insurance provides protection for your crop/crops
which cover losses due to crop failure, or in some cases, losses due to decline in market price. When one disaster can cost you five
years of profit, crop insurance provides you with Peace of Mind and allows you to continue what you love....FARM!
For more information, please call or email us and we will be happy to discuss it with you!
Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Farm & Ranch Insurance policy holders