Why First Insurance

When it comes to insurance coverage, every farm has one thing in common – it needs the right coverage to protect it from a devastating disaster. On-the-job employee injuries can negatively impact a farm operation in a big way, too. First Insurance will partner with you to mitigate risks like these with tailored insurance coverage that delivers protection and peace of mind. 

Most Popular Insurance Types

• Property insurance compensates for losses due to damage and theft by covering buildings, structures, inventory and more.
• Liability insurance pays in the event that an operation is found legally liable for incidents like damage to another business or a personal injury. 
• Business vehicle insurance covers any cars or trucks used on your farm.
• Workers compensation replaces some lost wages and pays medical expenses for employees injured on the job.

Other Types of Protection

• Peak season coverage covers your inventory by an additional amount to help protect your operation from loss during a stated period of time.
• Farm machinery & equipment insurance protects your biggest investments from farm-related risks like flooding, breakdowns, cab glass breakage and other damage.
• Livestock coverage is designed to cover commercial livestock and high-value animals while on premises or in transit.
• Upset & overspray/pollution insurance pays in the event of bodily injury or property damage arising from the overspray of pollutants and the cost of cleanup.
• Umbrella policies are designed to protect over and above standard policies and cover unusually high losses. 
• Extra expense coverage pays for additional costs related to continued operations in the event property is damaged by a covered loss.
• Specialized liability policies are more focused and can vary by farm and structure.
  • Employment practices liability insurance pays damages when a farm operation is legally liable for violating an employee's civil or legal rights.  
• Terrorism insurance covers losses as a result of terrorist acts.
  

The team at First Bank is ready to answer your questions, assess coverage types and levels, then recommend the insurance company that's the right match for your farm operation.