FarMate® Policy-Property Insurance | Farm-Guard®-Liability Insurance | Home-Guard® Policy-Homeowners Insurance

Protect Your Farm With The Farm-Guard® Policy

Thank you for considering the Farm-Guard® liability insurance policy. This web page will help you make an informed decision about the insurance coverages we offer and the coverages you need.

The Farm-Guard® protects the members of your household against financial disaster from accidents or injuries occurring on your farm — whether you're a farm owner or tenant.

The policy provides a broad range of standard coverages as well as a variety of optional coverages to customize protection to fit your farming operation.


Public Liability

Protection against claims of negligence arising from your farming operations, use of the premises or personal acts. Fire legal liability is included for real and personal property.

Physical Damage to Property of Others

Pays for damages to property you borrow, such as farm machinery.

Medical Payments to Public

Pays for accidental injury to the public on your premises, by your livestock or because of your farming operations or personal acts.

If state law doesn't require you to carry Workers' Compensation, Farm-Guard® also provides:

Employer's Liability

Protection against liability for injuries suffered by your farm employees while working for you.

Medical Payments to Farm Employees

Covers medical expenses for accidental injury suffered by your farm employees while on the job, even if you are not at fault. Includes death indemnity for accidental death.

Automatic Coverages

Coverage Options

Split Limits

Per person/per occurrence limits for public liability and employer's liability

Combined Single Limits

Per occurrence limit for public liability and employer's liability

Optional Coverages

* When above $2,000 in receipts

Available Premium Credits

Landlord's Liability

Livestock Exclusion

A 20% reduction in premium when no livestock are owned by or in the care, custody or control of the insured.

Country Home Option

Premium reduction when total acreage is under 40 acres and only incidental farming operations are conducted.