FARM & AGRICULTURAL INSURANCE
BIG RAPIDS MICHIGAN’S BEST INSURANCE POLICIES FOR FARMS
Your farm is more than a business. It may also be your home, your livelihood, and a legacy you plan to pass on to the next generation. At Bleeker Insurance Agency, we understand that no two farming operations are exactly alike. Whether you manage a small family farm, raise livestock, grow crops, or operate a larger agricultural business, our local agents can help you find coverage designed around the way your farm actually works. As an independent insurance agency, we compare policies and pricing from multiple insurance companies to help you get dependable protection at a competitive price.
PROTECT YOUR FARM WITH AGRICULTURAL INSURANCE
A standard home or business insurance policy may not provide the protection an active farm needs. Farm insurance can combine personal, property, liability and business coverage into one policy tailored to your operation.
Your coverage may include protection for:
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Farmhouses and personal property
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Barns, sheds and other outbuildings
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Tractors, combines and farm machinery
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Tools and equipment
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Livestock
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Crops and harvested products
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Feed, seed, fertilizer and supplies
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Farm vehicles
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Liability risks
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Farm income and operating expenses
Our agents will take the time to understand your property, equipment, production, and daily activities before helping you compare options.​
FARM PROPERTY INSURANCE
Your farm may include several buildings, structures, and types of property that require different levels of protection. Farm property insurance may help cover:
Your Farmhouse – Coverage may protect the structure of your home, personal belongings, and additional living expenses after a covered loss.
Barns and Outbuildings – Barns, workshops, storage buildings, machine sheds, grain bins and other structures may be insured based on their use and value.
Farm Machinery and Equipment – Tractors, combines, irrigation equipment, tools and other machinery represent a major investment. Coverage may help repair or replace equipment damaged by a covered event.
Farm Supplies – Feed, seed, fertilizer, chemicals and other supplies may be covered against certain losses while stored on your property.
Fencing and Other Structures – Depending on the policy, coverage may also be available for fencing, silos, corrals, loading areas and other farm structures.
FARM LIABILITY INSURANCE
Working farms can create risks that are not typically covered by a standard homeowners policy. Farm liability insurance can help protect you if someone is injured or property is damaged because of your farming activities.
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Coverage may help with:
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Medical expenses
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Legal defense costs
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Settlements or court judgments
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Injuries involving farm animals
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Accidents involving equipment
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Damage caused by farming operations
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Incidents involving visitors, vendors or customers
Liability needs can vary significantly depending on the size and nature of your farm. Activities such as selling products directly to the public, hosting visitors or performing work for other farms may require additional protection.
LIVESTOCK INSURANCE
Livestock can represent a significant portion of your farm’s value. Depending on the policy and animals involved, coverage may be available for livestock losses caused by certain accidents, weather events, fires, theft, or other covered risks.
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Protection may be available for:
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Dairy cattle
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Beef cattle
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Horses
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Sheep
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Goats
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Hogs
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Poultry
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Other farm animals
Some operations may need additional coverage for high-value animals, breeding stock, animal transportation or livestock kept at another location.
CROP & FARM INCOME PROTECTION
A severe loss can affect more than your property. It can also disrupt production and reduce the income your farm depends on.
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Depending on the operation and policy, coverage may be available for:
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Harvested crops
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Stored grain
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Farm products
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Lost income after a covered property loss
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Continuing operating expenses
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Extra expenses needed to resume operations
Crop insurance for growing crops may be handled separately from a traditional farm policy. Our agents can help identify which risks may require specialized coverage.
ADDITIONAL COVERAGE OPTIONS
Every farming operation has different exposures. Depending on your activities, you may want to consider:
Equipment Breakdown Coverage – May help cover certain sudden mechanical or electrical failures involving farm equipment and systems.
Pollution Liability – May provide protection for certain pollution-related incidents involving fuel, chemicals, waste or other agricultural materials.
Workers’ Compensation – May help cover medical expenses and lost wages when an eligible employee is injured while working.
Commercial Umbrella Insurance – Provides additional liability protection above the limits of certain underlying policies.
Agritainment and Farm Visitor Coverage – Farms that host events, tours, markets, seasonal attractions or other visitors may need additional liability protection.
Product Liability – May help protect farms that sell produce, meat, dairy products or other goods directly to customers.
Cyber Liability – Farms that use digital payment systems, store customer information or rely on connected technology may benefit from cyber protection.
CONTACT OUR MICHIGAN FARM INSURANCE COMPANY
You have invested years of work into your farm. Make sure your insurance is working just as hard to protect it.
Bleeker Insurance can compare farm insurance options from multiple carriers and help you find coverage suited to your property, operation, and budget.
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Contact our Big Rapids office today to speak with a local agent or request a farm insurance quote.