Farm Liability
Protect Yourself with Farm Liability Insurance
At Dostal & Kirk, we know all the countless responsibilities required in farming, some planned and others that take you by surprise. Our Farm Liability Insurance is designed to protect you from the financial risks that come with accidents, injuries, and property damage that can occur in the course of your day-to-day agricultural operations.
This coverage provides protection if someone is hurt on your property or if your activities unintentionally cause damage to someone else’s property.
Cover the Unexpected with Farm Liability Insurance
Farming is a unique business that blends residential life with commercial activity. That means you’re exposed to more liability risks than a standard homeowner or business owner. Whether it’s a visitor slipping on a muddy path, a delivery driver injured while dropping off supplies, or your livestock escaping and causing damage, liability protection is essential.
Our Farm Liability Insurance helps safeguard your personal and business assets in the event of a claim or lawsuit. Without this coverage, a single accident could cost thousands or more in legal fees, medical bills, or settlements.
Farmowner Liability
If you’re found legally responsible for bodily injury or property damage to another person, this coverage helps cover the costs. For example, if a friend falls off a horse or your animal wanders into another property and breaks the fence, you may be held liable. This coverage helps pay for medical bills, repairs, and legal defense if needed.
Medical Payments to Others
Even if you’re not legally liable, accidents can still happen. If someone is accidentally injured on your property, this coverage helps pay for reasonable medical expenses, regardless of fault. It’s a valuable layer of protection that demonstrates care and responsibility toward others who interact with your farm.
Additional Liability Coverage Options
Because no two farms are exactly alike, we offer optional endorsements to extend your coverage where you need it most. These may include:
- Farm Employee Liability Coverage – Protects you if a hired hand or employee is injured in a covered incident and not covered under workers compensation.
- Animal Collision Liability – Covers liability if your livestock accidentally causes a traffic accident or other damage while off your property.
- Limited Pollution Liability – Helps cover costs related to accidental chemical or waste runoff from your property.
- Watercraft & Recreational Vehicle Liability – If you own boats, ATVs, or other vehicles used on the premises, you can extend protection to these areas.
- Personal Injury Liability – Covers claims related to libel, slander, wrongful eviction, and other personal offenses that can occur in the course of business.
Your policy can also be expanded to include residence employees, rented residences on your property, and even coverage for some home-based business pursuits like clerical or educational work.
Safeguard the Life You’ve Built
Accidents happen, but the financial fallout doesn’t have to be devastating. With farm liability coverage from Dostal & Kirk, you can keep your focus where it belongs: on your land, your livestock, and your legacy.
Contact us today to speak with one of our knowledgeable agents.