Liability

Protect your Livelihood and Your Family




Cloud Package Discounts Save money with our competitive policy bundling discounts that apply when combining our Farm & Ranch products and/or our Crop Hail insurance. Contact your agent to learn more about how you can save.

Policy Options

PA

Personal & Premises Liability

Personal Liability coverage ensures that accidents or damages that occur on or off your property are financially covered and don't harm your financial future.

Our Personal Liability policy covers:
  • Liability for bodily injuries
  • Property damage
  • Medical payments to others
  • Damage to the property of others
  • Contracts and agreements
  • Claims and defense costs
  • First aid expense
  • And motorized vehicles

How Does It Work?
Some of the coverages within the personal farm liability policy are dependent upon where and under what circumstances the injury or damage occurs. Please ask your agent for more details regarding the application of your personal farm liability policy.

Special limits and exceptions apply, so please ask your agent for more details.

Availability
IA, IL, IN, KS, KY, MN, NE, SD, WI
PA

Farm Liability

Our Farm Liability coverage is designed to offer comprehensive protection from farm-related liability damages involving your livestock, machinery and more. From injuries sustained by the public to the property damage of others, Farm Liability coverage can protect you from the everyday hazards faced by farming operations.

Our Farm Liability policy covers liability for:
  • Bodily injuries
  • Property damage
  • Medical payments
  • Fire legal liability
  • Incidental contractual liability
  • Farm equipment
  • Watercraft
  • And custom farm work

How Does It Work?
Some of the coverages within the farm and ranch liability policy are dependent upon where and under what circumstances the injury or damage occurs.

Special limits and exceptions apply, so please ask your agent for more details.

Availability
IA, IL, IN, KS, KY, MN, NE, SD, WI 

PA

Umbrella Liability

Our Umbrella Liability policy offers a valuable companion policy to your existing farm and personal liability policies. You can choose from several different liability limits depending on your farming operation's needs, including:

  • Personal Umbrella Liability coverage
  • Personal Umbrella Liability coverage (Farm)

How Does It Work?
Umbrella Liability covers all bodily injury, personal injury or property damage to which the policy applies. Umbrella coverage serves as a companion policy to your farm and personal liability policies by providing additional coverage above and beyond the limits of those two policies.

Special limits and exceptions apply, so please ask your agent for more details.

Availability
AR, IA, IL, IN, KS, KY, MN, MO, NE, SD, WI

PA

Cyber Risk Protection

Home
FMH Cyber Risk Protection Home is bundled coverage that protects families from losses such as compromised data on personal computers, mobile devices and other connected home technology, as well as damage to software and operating systems.

Cyber Risk Protection Home coverage protects you or your household from: 
  • Computer Attack 
  • Home Systems Attack 
  • Cyber Extortion 
  • Online Fraud 
  • Data Breach 
  • Identity Recovery 


Availability
IA, IL, IN, KS, KY, MN, NE, SD, WI

Farm

FMH Cyber Risk Protection Farm is comprehensive coverage that protects farm operations from losses such as compromised data on business computers, mobile devices and other connected farm technology, as well as damage to software and operating systems including precision ag technology.

Cyber Risk Protection Farm includes five available coverages to help businesses affected by data breaches and cyberattacks: 
  • Data Compromise Response Expense 
  • Computer Attack 
  • Cyber Extortion 
  • Data Compromise Liability 
  • Network Security Liability 


Availability
IA, IL, IN, KY, MN, NE, SD, WI