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Farm Umbrella insurance

Safeguard your farm against unexpected accidents or incident claims with an extra layer of coverage.

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Farm Umbrella insurance helps safeguard against a challenging profession that comes with many risks and uncertainties.

A variety of liability issues can put your farm at risk, such as being held liable for injuries sustained by visitors to your property, or for damages caused by your farm equipment or livestock.

Farm Umbrella Liability insurance provides additional coverage beyond what is provided by standard farm insurance policy to protect against these risks. It can help protect from the financial impact of a liability claim, allowing you to focus on running your farm without worrying about the financial consequences of a liability claim.

Features of Farm Umbrella insurance

SECURA Farm Umbrella liability policyholders have access to the following features that help reduce costs and streamline care.

High limits

Our Farm Umbrella Liability policy provides additional limits above and beyond that of your underlying insurance, including:

  • Automobile Liability
  • Farmers’ Comprehensive Personal Liability (Farm Liability)
  • Personal and Advertising Injury Liability
  • Watercraft and Recreation Vehicle Liability
  • Incidental Business or Office Liability
  • Employer’s Liability
  • Contractual Liability

Tailored coverage

This coverage also provides coverage for some exposures not covered by basic liability policies, such as Worldwide Liability coverage (subject to a small deductible).

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide specialized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your farm. As your farm grows, our independent agent partners can help you understand how your insurance needs may change.

Commonly asked questions about farm umbrella insurance

What is Farm Umbrella insurance?

As a farmer, you have all sorts of risks and liabilities that come with running a farm – from equipment accidents to potential lawsuits from visitors. That’s where Farm Umbrella insurance comes in handy. It provides an extra layer of liability coverage that goes beyond what your other farm insurance policies cover. So, if you find yourself facing a large claim or lawsuit, your farm umbrella insurance can help cover the costs that exceed your other policy limits. It’s like having an extra safety net to protect your farm and your livelihood.

How does Farm Umbrella insurance work?

Umbrella insurance is like an extra layer of protection that sits on top of your existing insurance policies. It provides additional liability coverage in case you are sued for damages that exceed the limits of your other insurance policies.

What does Farm Umbrella insurance cover?

It’s designed to kick in when the liability limits of the underlying policies have been exhausted due to a major claim or lawsuit.

So, in essence, Farm Umbrella insurance can cover a variety of liabilities that aren’t covered by a typical farm insurance policy, such as lawsuits, medical expenses, property damage, and more. It can be a great way to safeguard your farm against unexpected events that could potentially drain your financial resources.

It’s important to note that Farm Umbrella insurance doesn’t cover everything. It’s typically meant to cover liability claims related to bodily injury or property damage, and it usually doesn’t cover intentional acts or criminal behavior.

Why SECURA?

Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your farming operations, you can ensure you have the right coverage to protect your investment and keep your farm running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA offers farm coverages in eight states, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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