With more than 68,000 farms sprawling across 14.3 million acres, agriculture plays a major role in the Wisconsin economy. It takes plenty of effort and toil to run a farm, as well as a lot of financial investment. At Anton Insurance, we help you protect that investment with insurance designed to mitigate your unique risk exposures. Whether you have a large-scale operation or a few acres with a hobby farm, our goal is to protect your income and help you preserve the hard work you’ve put into your land, animals, crops, and business.
Whether you call it America’s Dairyland, The Cheese State, or America’s Bread Basket, many of Wisconsin’s nicknames stem from its agricultural industry. It’s no wonder so many insurers cater to farm owners like you. As an independent agency, we can access farm insurance policies from several of the leading insurers throughout Wisconsin to ensure you find quality, comprehensive coverage at a competitive price.
We can help find coverage for nearly any type of farm, including:
- Dairy farms
- Poultry farms
- Arable crop farms
- Pastoral farms
- Mixed farms
- Floral nurseries
- Horse ranches
- Cattle ranches
- And more
Farming and Agricultural Risks
Farm owners face the usual risks of business ownership, as well as a laundry list of risks that are unique to the industry. There are environmental risks that could threaten the quality of your crops from season to season, as well as legal risks associated with the use of pesticides. Furthermore, there is always the possibility of a change in the market for your product – particularly if one of your local wholesale buyers closes or a drought causes years of damage. Rolling the dice is a part of running any business, and you never know quite how things will turn out, but purchasing the right insurance coverage could help minimize your vulnerability and preserve your income and assets in the future.
Types of Wisconsin Farm Insurance Coverage
At Anton Insurance, we offer more than just quality insurance coverage. As a local independent agency, we are familiar with the area, the farming industry, and the unique challenges you face in your day to day operations. We can offer broad insurance packages that include a wide range of coverages, some of which include:
Farm Buildings and Structures Coverage
Disaster can strike anyone at any time. There is no way to know if your farm will be in the path of the next wildfire, tornado, or another catastrophic event. Make sure your farm insurance includes coverage for the business-related structures on your property, from your stables and barns to your silos and outbuildings. With the right coverage and deductible, you can repair or rebuild the structures on your farm or ranch with minimal cost to your business.
Workers Compensation Insurance
If you employ harvesters, ranch hands, or other workers on your property, you probably need workers compensation insurance to protect you against lawsuits related to on-the-job injuries. Workers compensation helps pay for necessary medical bills when a worker is injured at work. It can also provide income replacement until the employee has fully recovered.
Vehicle and Equipment Coverage
What types of vehicles do you use for your business? From trucks and tractors to horse trailers and ATVs, there are risks associated with owning and operating these vehicles both on and off your property. We can help you cover your vehicles and trailers with a wide range of coverages, including:
- Commercial auto insurance
- Trailer insurance
- ATV and UTV insurance
- Tractor insurance
- And more
We can also help you insure your heavy equipment against damages and loss of use. From your cultivators and spreaders to your hay balers and harvesters, we can help you protect your investment.
Business Interruption Insurance
If you experience a covered loss that interrupts your business operations and stifles your cash flow, business interruption insurance can help you cover the continued operational costs associated with owning and running your farm.
Liability insurance is commercial coverage against third-party injuries and property damages. There are many different types of liability insurance for farm owners. General liability, for example, can help cover your legal fees and financial responsibility for third-party accidents on your property, such as a slip-and-fall injury. Depending on the nature of your farming business, you may also need product liability or perhaps farm pollution and chemical drift liability.
Dwelling and Personal Property
If you call your farm home like many Wisconsin farmers do, we can help you cover your personal dwelling and property, too. Our team can help you build a customized insurance policy to cover the structure of your home against a wide range of perils, as well as the personal belongings inside it. Coverage generally includes protection against personal liability, as well as temporary living expenses if you are forced to relocate after a covered event.
It is possible that you may need niche protection for the type of farm you have. For example, crop farms may need coverage against crop fires or spoilage, whereas cattle and horse ranches may need livestock disease coverage or an equine endorsement. We can also help you find coverage for things like animal custody liability, animal collision insurance, accidental injury or death to livestock, and borrowed machinery.
Columbus Farm Insurance Quotes
If you are a farmer or rancher in the greater Columbus, Wisconsin area, let us help you protect your income and assets against future losses. We may not be able to control the weather, but we can build you a policy that holds up to the challenges and risks you face as a local farmer. For more information or to request your free Wisconsin farm insurance quote, contact our office today.