For the safety of yourself, your employees, and your livelihood

Being a dairy farmer is extremely rewarding; however, several liabilities are associated with this line of work.

Whether you operate mid-sized dairy farm that produces milk and other dairy-related products for your local town, or you own a massive amount of cattle that produces milk-based products that are shipped throughout the country, you're going to need to make sure that you have the right type of protection.

Why Do Dairy Farmers Need Insurance?

“Imagine, if you will, any of the following scenarios:

• A fire breaks out on your farm and your herd and barns are damaged.

• A massive storm rolls through and several trees topple over, seriously damaging your farm.

• A member of your herd breaks through the fencing on your farm and ends up roaming the roadway and causes an accident.

• A vendor is dropping off supplies on your farm and slips on a puddle.

• Someone files a lawsuit against you, alleging that the products you produce caused a serious case of food poisoning.

• Someone vandalizes your property and steals a few pieces of expensive equipment.

All of these situations can result in serious financial losses that may be responsible for. If you don't have the right type of dairy farm insurance coverage, you could end up having to cover the costs that are associated with any of these travesties out of your own pocket.”

-GeneralLiabilityInsurance.com

Coverage’s we provide to Dairy Farms:

• Commercial liability coverage

• Commercial property insurance

• Commercial vehicle liability coverage

• Livestock insurance coverage

• Pollution liability coverage

• Product liability insurance

• Workers' compensation insurance

Dairy Farmer's Risks & Exposures

“Premises liability exposures is moderate. FDA inspectors and veterinarians regularly visit the premises. Dairy farms are often visited by school-age children and other tour groups who can trip and fall on uneven walking surfaces or housekeeping hazards.

Products liability exposures are moderate due to the potential for contamination, spoilage, and foreign objects in the milk.

Environmental impairment liability exposures are moderate due to the potential for air, land, or water pollution from the application of chemicals and pesticides, disposal of animal waste and the existence of motor vehicle fuel storage tanks.

Workers compensation exposures are high due to the use of equipment and interaction with unpredictable dairy animals that can bite, kick, suffocate, or trample an employee.

Property exposures are high because of numerous ignition sources, such as heaters, cooling equipment, electrical fixtures and milking equipment combined with combustible materials such as hay, straw, animal feed and bedding, oils, and motor vehicle fuels.

Equipment breakdown exposure is high due to the automated milking and processing equipment which can malfunction or break down.

Inland marine exposures include accounts receivable if the dairy bills customers, computers (which may include controls for automated milking equipment), livestock, mobile equipment, and valuable papers and records.

Business automobile exposures may be limited to hired and non-owned if milk processors transport the milk. If the dairy delivers its own product or transports animals, the exposure increases.”

- GeneralLiabilityInsurance.com