AGRI-BUSINESS

Insurance plans and financial management for agricultural businesses

Agri-Business Insurance Specialist 

More Your ALLY Than An Agent:

 

One of the most important decisions any agri-business owner makes is their choice of an insurance and financial specialist. Vinn Financial is more than an agency.  We’re an Ally who partners with you.  We share your dedication to the success of your business.

Liability

Property

Life

  •    Bodily Injury
  •    Commercial Buildings
  •    Disability Income
  •    Property Damage
  •    Equipment Breakdown
  •    Life Insurance
  •    Personal Damage
  •    Business Inventory
  •    IRAs/Annuities
  •    Advertising Injury
  •    Inland Marine
 
  •    Commercial Auto
  •    Personal Residence
 
  •    Umbrella
  •    Personal Property
 
  •    Damage to Rented Premises
  •    Personal Auto
 
 
  •    Utility Services
 
  • Liability
    • Bodily Injury
    • Property Damage
    • Personal Damage
    • Advertising
    • Commercial Auto
    • Umbrella
    • Damage to Rented Premises
  • Property
    • Commercial Buildings
    • Equipment Breakdown
    • Business Inventory
    • Inland Marine
    • Personal Residence
    • Personal Property
    • Personal Auto
    • Utility Services
  • Life
    • Disability Income
    • Life Insurance
    • IRAs/Annuities

Agribusiness Select 

offers a customizable bundle of coverages important to farmers and ranchers like you.  Together we will evaluate and prioritize the varied options for your operation.  The result?  You will obtain a personalized portfolio of insurance and financial protection that meets the needs of your farm.

Special Agri-Business Endorsement Options:

Agritainment Liability

Many farms today supplement their income by offering “agritainment” such as hayrides, perhaps even a corn maze. But what would happen if someone got hurt on the your hayride? If you are thinking about providing agritainment on your farm, such as a hayride or corn maze.  You may not be covered for liability if someone gets hurt.  We can customize coverage that will protect you.

Loss of Income

Loss of Income coverage may be necessary when winds and hail cause significant damage to a family farm. In suffering this extensive damage, other vendors may take over your existing contracts that you may be unable to fulfill while you are restoring your farming operations. What do you do about the loss of the income that you suffer in addition to the damage to your property? Loss of income insurance covers the loss of income right after the loss occurs. Also, this coverage helps if it takes longer than expected to resume normal business operations.

Recreational Vehicles Liability

Most people do not realize that a vehicle such as an ATV that is used in the operation of the farm is only covered when being used on your farm premises, or when being used for farming off of your premises. If for instance your son for some reason takes the farm 4-wheeler ATV off the farm premises and somehow injures, a pedestrian, with your 4-wheeler joy riding while on the way back from hauling hay, chances are that without Recreational Vehicles Liability coverage there will be no coverage. If you have a 3- or 4-wheeler or other recreational-type vehicle on your farm, you may only be covered off the premises when using it for farm activities. If you use these vehicles for non-farm activities off your premises, you may want to discuss the need for this type of coverage with us.

Extra Expense

An example of Extra Expense would be when fire destroys your milk parlor and equipment and where, fortunately, the cows escape the fire and survive. Most people think to cover the loss of the building and equipment, but what about the extra expense of moving 1,000 dairy cows to another facility to be milked? Without Extra Expense Coverage, you may have a gap in your farm business coverage. For the business that needs to stay in operation at all costs, extra expense coverage provides reimbursement for the extra costs it takes to keep the business running.

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