Farm Insurance Information
Farm Insurance Policies Tailored for Your Farm
With over 200,000 jobs and almost $42 billion contributing to the state economy, agriculture is the biggest economic sector of South Carolina. Protecting your agriculture business in South Carolina’s weather is crucial, and you can start with a reliable insurance policy.
Dotterer Insurance creates genuine bonds with every customer by providing excellent customer service. We work with a range of insurance carriers to find you the best coverage for your farm insurance.
Coverage We Offer
To cover the unique risks that farms face, Dotterer Insurance offers coverages such as:
Farm liability insurance is the main type of liability insurance that farms can carry. This insurance is also known as general liability insurance and covers bodily injury or property damage that may occur on the farm. This is especially important if your farm offers tours, hayrides or horseback riding. General liability insurance provides compensation for medical expenses and helps the farm with legal fees and costs if sued by the victim.
Keep in mind that general liability insurance does not cover claims filed by employees of the farm. If an accident occurs involving an employee, you will need workers compensation in order to pay for the damages. Workers compensation insurance covers medical expenses, lost wages and even funeral expenses if an employee is injured on the job. This insurance is not legally required in South Carolina, but it crucial at preventing expensive lawsuits regarding employees.
This insurance can cover tractors, combines, farm tools and supplies, irrigation equipment, wagons, hay rakes, planters, sprayers and more. It covers against natural disasters and other incidents involving fire, theft, vandalism and explosions.
Get a Quote Today
Dotterer Insurance agents are dedicated to helping clients protect their farm and their livelihood. We will help you tailor a policy to your farm’s unique needs. Contact us or fill out an online form for a free quote today.
Frequently Asked Questions
What is a Farm Insurance Policy?
A farm insurance policy is an insurance policy tailored with coverages to protect against the dangers that farms face.
What Does a Farm Liability Policy Cover?
Farm liability covers instances of bodily injury and property damage.
Do Farms Need Workers Compensation Insurance?
Workers compensation insurance is not legally required in South Carolina for agriculture employees, but it is important for farms to be able to compensate for injuries obtained on the job.