Florida Farm And Ranch Insurance Policy Information
Florida Farm And Ranch Insurance. Farms survive only if their owners are flexible. The farmer must be able to change as the market changes.
An insurance program for farmers must be just as a flexible. The Insurance Services Office (ISO) and AAIS provide excellent Florida farm and ranch insurance coverage forms which provide such flexibility.
The key is allowing a mix and match of personal and commercial exposures. This is the only industry where such a mixture exists.
Coverage is available to cover the following FL farm & ranch exposures: Property, Inland Marine, Liability. Read on to get more in depth descriptions of these coverages and how the help to protect farmers and ranchers from every day and less common risks.
Florida farm and ranch insurance protects farmers and ranchers lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
What Does Farm And Ranch Property Insurance Cover?
Seven classes of property may be insured under the ISO Florida farm and ranch insurance policy, as follows:
- Coverage A - Dwelling
- Coverage B - Other Private Structures Appurtenant To Dwellings
- Coverage C - Household Personal Property
- Coverage D - Loss of Use
- Coverage E - Scheduled Farm Personal Property
- Coverage F - Unscheduled Farm Personal Property
- Coverage G - Other Farm Structures
There are three causes of loss options for Florida farm and ranch insurance property coverage.
There is no requirement that each coverage on a policy have the same cause of loss. This means that Coverage A may use a Causes of Loss-Special, but the other Farm Structures use Causes of Loss - Basic.
This is another example of flexibility that the Florida farm and ranch insurance policy offers.
Covered Causes of Loss - Basic Coverage: This includes only fire or lightning, windstorm or hail, explosion, riot or civil commotion, vehicles, aircraft, smoke, vandalism and malicious mischief, theft, sinkhole collapse, volcanic action, and collision that damages livestock or covered farm machinery.
Covered Causes of Loss - Broad Coverage: In addition to the basic causes of loss, this form adds electrocution; dog attacks; drowning and accidental shooting of covered livestock; loading/unloading accidents; breakage of glass; falling objects; weight of ice, snow or sleet; collapse of buildings; sudden and accidental tearing asunder of heating systems and appliances; accidental discharge of water or steam; freezing of plumbing, heating systems and appliances; and sudden and accidental injury from electrical currents.
Covered Causes of Loss - Special: Instead of listing the causes of loss that are covered, this protects against all causes of direct physical loss except for those specifically excluded or limited.
Some of the exclusions are: fire damage involving tobacco operations; collapse; wind or hail damage to dairy products, farm products, watercraft, or related equipment when any such property is in the open; weather-related damage to any personal property that is in the open; weather-related damage to the interior of any structure (or property inside the structure) unless the weather activity first creates an opening in the structure's roof or walls; freezing or similar damage to foundations, pavements, patios, fences, pools, and other property; and discharge or overflow from plumbing, heating, air-conditioning or fire sprinkler systems, or from appliances.
ADDITIONAL COVERAGES - FARM AND RANCH PROPERTY INSURANCE
The farm coverage part includes the following additional Florida farm and ranch insurance coverages:
- Debris removal
- Reimbursement for reasonable repairs and for moving property that is endangered by a covered cause of loss
- Fire department service charges
- Removal of fallen trees
- Credit cards, forgery, and counterfeit money defense costs
- Cost of restoring farm operations records
- Extra expense coverage
- Pollutant cleanup and removal
OPTIONAL COVERAGES - FARM AND RANCH PROPERTY INSURANCE
Many endorsements are available to customize the Florida farm and ranch insurance property coverage form to meet the needs of most FL farm owners and tenant farmers.
What Does Farm And Ranch Inland Marine Insurance Cover?
Every FL farm has significant investment in equipment. This equipment can be covered under the commercial property coverage but as with commercial coverage forms, the farm inland marine forms provide broader coverage and more flexible conditions.
Livestock farmers are heavily invested in their livestock. Some of the livestock can be covered under the commercial property coverage form, but the farm inland marine coverage has broader eligibility and more flexible conditions.
It is important to coordinate Florida farm and ranch insurance coverage with the property coverage form in order to prevent any duplication of coverage.
What Does Farm And Ranch Liability Insurance Cover?
ELIGIBILITY - FARM AND RANCH LIABILITY INSURANCE
Most farmers can insure the liability for their personal and farming activities in a single, inclusive form of liability insurance- a Florida farm and ranch insurance liability policy.
The eligibility is broad enough that anyone with an insurable interest in a farm or ranch operation can be insured on the policy.
However, in order to better define what is considered a farm or ranch, the following are not considered eligible operations:
- Farms whose principal purpose is to supply commodities for manufacturing or processing by the insured for sale to others. In this group will fall farms operated by creameries and dairies. Dairy farmers who do not manufacture or process are eligible for the policy, as are beef farmers who slaughter and dress their livestock, and vegetable farmers who bunch or crate vegetables and fruit.
- Farms operating freezing or dehydrating plants, and poultry factories.
- Farms with dwellings that exceed four-family unit size or that are used for business purposes.
Note: Liability coverage for farms that do not meet the above criteria can be written using commercial general liability coverage forms.
COVERAGE - FARM AND RANCH LIABILITY INSURANCE
The Florida farm and ranch insurance liability coverage is practically identical to the personal liability policy. The chief difference between the two policies is that the farm policy includes coverage on farming operations as well as personal activities.
It is important to remember that this form is expanded personal liability coverage. When the risk becomes more commercial and less personal, the commercial general liability policy should be used for the farm operation and a dwelling or homeowner policy used for the personal exposure.
Specifically, this Florida farm and ranch insurance liability coverage part will provide the following coverages:
- Coverage H - Bodily Injury and Property Damage Liability
- Coverage I - Personal and Advertising Injury Liability
- Coverage J - Medical Payments
The exclusions that apply to most personal liability policies, and most commercial liability coverage forms apply, such as: contractual liability; pollution; release or discharge from aircraft; aircraft or motorized vehicles; watercraft; mobile equipment; business pursuits; custom farming; professional services; rented or borrowed premises; communicable disease; workers compensation and similar laws; employers liability; structures under construction; injury to insureds; damage to an insured's property, work or product; damage to impaired property; product recalls; physical or mental abuse; and controlled substances and other situations.
The Florida farm and ranch insurance liability policy also does not cover property damage arising out of any substance released or discharged from any aircraft. It also excludes bodily injury and property damages when livestock are used or trained for racing.
In addition, business operations that are distinct from the farming operations are excluded in a way similar to the in-home business exclusion in a personal liability policy.
ADDITIONAL COVERAGES - FARM AND RANCH LIABILITY INSURANCE
This Florida farm and ranch insurance coverage part also provides the following:
- All expenses connected to investigating and defending against a claim
- All interest that accrues on a judgment against an insured
- Bail bond expense - up to $250
- Prejudgment interest awarded against an insured
- Reasonable expenses incurred by an insured
- Similar to other liability policies in that all of the following are provided outside the limit of insurance:
- Supplementary Payments
What Does Farm And Ranch Combination Insurance Policy Cover?
POLICY CONSTRUCTION - FARM AND RANCH COMMINATION INSURANCE POLICY
Just as the Commercial Insurance Program has a package, there is a farm combination policy in the farm program.
If a farm operation is eligible for the farm combination policy, there is a significant pricing credit but there is no coverage difference.
The Florida farm and ranch insurance combination policy does not contain any unique policy forms.
The policy is formed by simply combining the desired coverage forms. The policy is constructed as follows:
- Common policy declarations
- Common policy conditions
- Two or more coverage parts
- Coverage parts' declarations
- Coverage parts' conditions, if applicable
The stand-alone property, inland marine and liability policies use the common policy declarations and common policy conditions, but when all are combined on the combination policy, only one common declarations and one common policy condition is needed.
In addition, if there are cancellations or nonrenewal endorsements that apply to more than one coverage part, only one needs to be attached.
RISK AND COVERAGE PART ELIGIBILITY - FARM AND RANCH COMMINATION INSURANCE POLICY
There is no requirement that a certain form or forms be used in order to qualify for the farm combination policy. This is particularly important because the commercial general liability policy may be used instead of the farm liability policy at times and will not compromise the eligibility.
The comparison to the commercial package policy continues in that eligibility requires both property and liability coverage to be written on the policy. In particular, all of the farm buildings, dwellings, and farm personal property as well as all of the liability associated with the operation must be insured.
There are some exceptions, such as when all buildings are not under common ownership.
Certain operations are not eligible for the Florida farm and ranch insurance combination policy. This does not mean they cannot use the farm forms; it simply means they cannot receive the combination credit. The situations that are barred from the combination program are:
- Any premises with structures housing activities that are not part of the farm operation
- Farm premises with dwellings designed to house more than four families
- Farms that are not occupied by the insured. The one exception is when the insured is actively involved in the operation such as having a contract for management or a tenant who is operating the farm under the insured's supervision.
- Farms that are not occupied or are vacant
- Farms that are really dehydrating or freezing operations, or poultry factories
- Farms that supply goods specifically for a manufacturing operation and that are owned or controlled by that manufacturing operation
What Are Common Farm & Ranch Operations And Risks?
There are many different types of FL farms and ranches, and each faces different operations, risks and exposures. Below of a brief description of some more common farming operations:
BEEF CATTLE FARMS
Beef farmers raise cattle for their meat. Calves are generally bred on-site using a bull or artificial insemination. Some farmers board feeder calves owned by others. The calves may graze in pastures when available but in drought or severe weather conditions may be kept in paddocks. They feed on grass, hay and other approved feed and supplements until they reach market weight.
At that time, the farmer either drives the animals to the processing plant or hires a carrier to transport them. Many operations raise their own grain to turn into feed for their livestock. Cattle farms are subject to regulation by the USDA, FDA, and EPA.
CASH GRAIN OPERATIONS
Cash grain farms grow a variety of grain crops for sale, including barley, corn, oats, rice, rye, soybeans, and wheat. While weather conditions are outside the control of farmers, grain farming also depends on natural substances such as compost and manure to be successful, plus several chemical applications such as fertilizers, fungicides, herbicides, and pesticides.
Bailers, combines, cultivators, disks, drills, hay rakes, mowers, plows, press wheels, seeders, tillers, tractors, and other types of farming machinery are required to support grain production on these farms.
Dairy farmers produce milk and milk products such as butter, buttermilk, cheese, and yogurt, from cows or goats. Milking is done two to three times each day, with some modern dairies performing milking on a 24-hour basis. After sanitizing the animal, a device is attached to the udder to pump milk into a holding tank.
There, the milk is refrigerated until processed by the dairy or transported to an aggregator for combining with other milk before being processed.
Since milk naturally contains bacteria that will cause it to spoil quickly even if refrigerated, it is put through a heating process called pasteurization to destroy the bacteria. If the dairy sells the milk directly to retailers, homogenization also occurs to keep the cream from rising to the top. Additional processes are used to manufacture other milk products.
Many operations raise their own grain to turn into feed for their livestock. To keep milk production high, dairy animals must be bred regularly, which also maintains a steady supply of replacements for milking. Dairies are subject to regulation by the USDA, FDA, and EPA.
Fish hatcheries and fish farms raise finfish such as bass, carp, catfish, salmon, or tilapia and shellfish such as oysters, prawns, scallops, and shrimp. Aquaculture facilities may keep fish in enclosed natural ponds, in-ground man-made pits, or above-ground pools.
Hatcheries often use selective breeding and artificially-induced spawning to produce larva that are kept in nurseries until they are large enough to be transferred to freshwater or saltwater rearing tanks
The fish are fed with plankton, commercial feed, or insects until they reach market weight. At that time, the farmer either drives the fish to the processing plant or hires a carrier to transport them. Some farms sell directly to restaurants or individuals. The 2015 FDA approval of a genetically modified salmon for human consumption has generated substantial controversy due to safety concerns.
FRUIT AND VEGETABLE FARMS
Fruit and vegetable farms grow produce in bogs, in the ground, or on bushes, stalks, or vines. Products include beans, sweet corn, leafy vegetables, pumpkins and squashes, root vegetables, tomatoes, and fruits such as berries, table grapes, and melons. Some have retail operations where customers visit the premises, even picking their own produce from plants.
Some take their produce to local farmers' markets while others drive the produce to processing plants or hire a carrier to transport them. While weather conditions are outside the control of farmers, produce farming depends on natural substances such as compost and manure to be successful, plus several chemical applications such as fertilizers, fungicides, herbicides, and pesticides.
Combines, cultivators, disks, mowers, plows, seeders, tillers, tractors, and other types of farming machinery are required to support production on these farms.
Horse farms (other than race horses) buy, breed, raise, sell, and train horses. They are kept in open pastures or paddocks during warm weather but in barn stalls at night and during inclement weather. The stalls must be cleaned regularly to remove manure and urine. They are fed grain and hay along with vitamins and supplements to keep them healthy and strong.
Horse farms may board horses belonging to others, rent horses for recreational purposes, and/or offer riding lessons. Some horse farm facilities are used by rehabilitative service organizations to provide riding lessons for physically, emotionally, and/or mentally challenged adults and children. Some grow grain and hay to feed the horses.
Racehorse farms buy, breed, raise, sell, and train horses specifically selected for their speed. Racehorses are expensive and can be temperamental. They require careful selection, excellent veterinary services, and exceptional trainers. They are kept in open pastures or paddocks during warm weather but in barn stalls at night and during inclement weather.
The stalls must be cleaned regularly to remove manure and urine. They are fed specially designed feeds along with vitamins and supplements to keep them healthy and strong. Staff is on duty 24 hours a day to respond to the horses' needs and to provide security. Racehorse farms often board and train animals belonging to others. Some grow grain and hay to feed the horses.
Nut farms grow their produce on trees or in the ground. Tree nuts include almonds, cashews, coconuts, chestnuts, filberts, hazelnuts, hickory nuts, macadamias, pecans, pine nuts, pistachios, and walnuts, while peanuts are grown underground. Some tree nut farms have retail operations where customers visit the premises, including “You Pick It” operations. At harvest time, tree nuts must be blown or shaken off the trees, either by hand or using mechanical pickers.
Peanut plants are uprooted, and the peanuts allowed to dry before being threshed from the plants. The tree nuts or peanuts are dried, cracked open, and cleaned. They may be boiled, roasted, salted, or be processed into oils or spreads. Some are used for making paint, polishes, or silage.
Nut farms depend on natural substances such as compost and manure to be successful, plus a number of chemical applications such as fertilizers, fungicides, herbicides, and pesticides.
Pickers, tillers, tractors, and other types of farming machinery are required to support production. At harvest time, the farmer either drives the produce to processing plants or hires a carrier to transport them. Nut farms are regulated by the FDA.
ORCHARDS AND GROVES
Orchards grow fruit and nuts on trees or shrubs, including apples, berries, cherries, pears, peaches, peanuts, pecans, and walnuts. Orchards for citrus fruits such as grapefruit, lemons, limes, and oranges are often called groves.
Some orchards have retail operations where customers visit the premises, including"You Pick It" operations. Some process their goods into cider, jellies, or jams to sell to customers.
Others take their products to local farmers' markets. At harvest time, the farmer either drives the produce to processing plants or hires a carrier to transport them. Orchards and groves depend on natural substances such as compost and manure to be successful, plus several chemical applications such as fertilizers, fungicides, herbicides, and pesticides.
Mowers, pickers, tillers, tractors, and other types of farming machinery are required to support production.
Poultry farmers raise chickens and turkeys for eggs and meat. Some raise more exotic fowl such as ducks, geese, guinea, ostrich, peacocks, quail or squab. Birds can be raised in confinement or free-range, although free-range fowl are kept indoors during inclement weather and at night due to predators. Beaks may be trimmed to prevent the birds from aggression or feathering pecking and eating.
Feed is provided along with vaccinations to keep the stock healthy until they reach market weight. The farmer either drives the birds or eggs to the processing plant or hires a carrier to transport them. Many operations raise their own grain to turn into feed.
Poultry farms are subject to regulation by the USDA, FDA, and EPA. While the use of antibiotics for poultry has been approved by the FDA since 1951, the practice has generated increased controversy due to concerns about human antibiotic resistance.
SHEEP AND GOAT FARMS
Sheep and goat farmers raise animals to produce milk, meat, and/or wool. Lanolin may be used in manufacturing cosmetics, while skin may be used to make leather or parchment. The animals graze in pastures and are fed supplemental silage. Milk can be extracted by hand or using automated milking machines.
The milk can be sent to an aggregator for combining with other milk before processed and packaged, or it can be processed, packaged, and marketed directly to customers.
To keep milk production high, animals must be bred regularly, which also maintains a steady supply of replacements for milking. Animals grown for their meat are kept until they reach market weight. At that time, the farmer either drives the animals to the processing plant or hires a carrier to transport them.
Many operations raise their own grain to turn into feed for their livestock. Sheep are sheared annually, and the fleeces sold as wool. Angora goats are sheered for their mohair fleece while other goats provide cashmere and other fine fiber. Sheep and goat farms are subject to regulation by the USDA, FDA, and EPA.
Swine farmers raise pigs primarily for meat and lard, although some also supply skin for making leather goods. Pigs are generally bred on-site using boars or artificial insemination. Sows produce an average litter of twelve piglets which can be raised in confinement or free-range with indoor housing available during inclement weather and at night due to predators.
While pigs love to forage, pastureland does not provide adequate quantities of food, so they are fed grains, by-products, and other nutrients until they reach market weight. At that time, the farmer either drives the animals to the processing plant or hires a carrier to transport them. Many operations raise their own grain to turn into feed for their animals. Swine farms are subject to regulation by the USDA, FDA, and EPA.
Tobacco farms produce leaves that can be made into cigars, cigarettes, chewing tobacco, pipe tobacco, and snuff. At harvest time, the tobacco leaves are removed from the stems of the plants, cleaned, and cured in large, well-ventilated barns. Curing can be solely by air or by using controlled fires placed below the leaves. Flavoring agents may be added during the curing process. Some farmers then arrange transport of the cured leaves to a nearby tobacco sales auction warehouse.
Others are under contract with a tobacco manufacturer and transport of the leaves is based on the terms of the contract. Tobacco farms depend on several chemical applications such as fertilizers, fungicides, herbicides, and pesticides. Pickers, tillers, tractors, and other types of farming machinery are required to support production.
Beekeepers or apiarists collect bees' honey and other products such as pollen, beeswax, and royal jelly, place hives to pollinate crops, and/or to produce bees for sale to other beekeepers.
Bees live in hives that have traditionally been constructed of wood but are now available in polystyrene. Hives have removable covers and frames in which bees build honeycomb, allowing the beekeeper to inspect the hive for signs of disease (such as Colony Collapse Disorder) or parasites, an aging queen which means imminent swarming, or other conditions that require intervention. The removable frames permit easy harvesting of honey and other products.
Frames may be hung as an aid in pollination. The beekeeper may sell all its honey to manufacturers or may process all or some for retail sale.
Alligator farms raise alligators for their meat and leather. Eggs or juvenile animals can be captured in the wild or obtained by breeding stock. Because alligator farming requires high heat and humidity plus an ongoing source of water, they are concentrated in southern states. Alligators may be kept in enclosed marshes or swamps, concrete pits, or environmentally-controlled hothouses complete with piped-in music.
Alligators are prone to many diseases, including caiman pox, chlamydia, crocodile pox, mycobacteria, salmonella, and West Nile Virus transmitted by mosquitoes, contact with other animals, or from eating contaminated meat. Alligators reach marketable size of three feet in about a year. At that time, the farmer either drives them to the processing plant or hires a carrier to transport them.
Many alligator farms supplement their income with tourism. As alligators are a protected species, these farms are regulated by the U.S. Fish and Wildlife Service.
Florida Farm And Ranch Insurance - The Bottom Line
To find out more about the exact types of Florida farm and ranch insurance policies you'll need, how much coverage your farming or ranching operations needs - speak with an experienced insurance broker who understands the unique risks of farms and ranches.
Florida Economic Data And Commercial Insurance Requirements
If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.
With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.
Economic Trends For Businesses In FL
Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2021 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.
The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.
In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.
The industries that contribute the most to Florida's economy include:
- Aviation & Aerospace
- Financial Services
- International Trade
- Life Sciences
Commercial Insurance: Regulations & Limits In Florida
The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.
Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.
Additional Resources For Agribusiness Insurance
Learn about small business agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.
- Insurance Farming Terms Glossary
- Aquaculture Fish Farm
- Commercial Fishermen
- Dairy Farm
- Equine & Horse Farm
- Farm And Ranch
- Farm Equipment Dealers
- Farm Labor Contractors
- Livestock & Cattle
- Mushroom Farms
- Nursery And Greenhouse
- Nut Farm
- Orchards & Groves
- Poultry Farm
- Sheep & Goat Farm
- Swine, Hog & Pig Farm
- Tobacco Farm
- What Are Farm And Ranch Insurance Endorsements?
Farming is, and has always been a tough business. There are many uncontrollable factors for farmers to deal with - like the weather, vermin, or other natural catastrophes. Any of these can destroy cash crops, such as corn, cotton, soybeans, and wheat, and put the farmer in a very bad financial situation.
Insurance for agribusiness falls into three general categories:
The first is property insurance on the buildings and the usually substantial amount of business personal property made up of machinery, livestock, equipment and other stock.
The second is liability for both premises and products.
The last is protection for worker injuries. Commercial auto insurance should be written if the operation owns vehicles and especially if it transports its own products.
There are a wide variety of agribusiness insurance options that are available to farmers. These policies allow them to to receive compensation in the event of a poor growing season, dropping prices, cattle disease or catastrophic natural event.
Loss of crops or livestock can financially ruin an agribusiness operation. The crop insurance agrees to indemnify the farmer, rancher or grower against losses which occur during the crop year. Losses have to be caused by things which are unavoidable or beyond the farmer's control - like a drought, freeze and/or disease.
Some policies offer coverage due to adverse weather events such as the inability to plant due to excess moisture or losses due to the quality of the crop.
Minimum recommended small business insurance coverage: Buildings, Business Personal Property, Crop Insurance, Employee Dishonesty, Accounts Receivable, Computers, Goods in Transit, Mobile Equipment, Valuable Papers and Records, General Liability, Environmental Impairment, Umbrella, Business Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Business Income and Extra Expense, Earthquake, Equipment Breakdown, Farm Owners, Flood, Computer Fraud, Employee Dishonesty, Forgery, Money and Securities, Cyber Liability, Employee Benefits, Employment-related Practices Liability, Product Recall, Underground Storage Tank, Stop Gap Liability and Unmanned Aerial Vehicles (UAV) (Drones).
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