DRickard Insurance is committed to working with farm owners to do our best to bring satisfactory farm insurance policies with coverage options desired by the hard working farmers who feed us in New York State.
Home Based Business - No Acreage
Hobby Farm - 50 Acres or Less and Not Your Primary Income
Small Farm - Primary Income Source or Under 150 Acres
Farm Insurance - Farms Over 150 AcresSome of the farming operations that we may find insurance coverage for include, but are not limited to Beef Farms, Chicken Farms, Custom Farms and Farming, Dairy Farms, Farm Stands, Hobby Farms, Horse Farms, Llama Farms, Maple Syrup Production, Personal Use Farming, Pig Farms, Produce Farms, Sheep Farms, Tenant Farming Operations (for the tenant or the landlord),U-Pick Farm Operations, and Many More Farms. There are many types of coverage and credits to consider when custom designing a policy to fit your needs and goals. Please Click the highlighted items for more information.
If you have horses, even if you do not consider yourself a farm you can enjoy more correct coverage by using horse hobby farm, equine estate, or farm insurance to protect your interests. Types of coverage to address some of the insurance coverage of concern to farm owners include:
Residence Insurance Coverage
Primary Residence
Secondary and Seasonal Residences
Residences occupied by employees or other family members who are not the deed holder
Residences not at the farm location or on farm use deeds
Insurance for Personal Property for not for business or farm use, including coverage while the property while it is away form the premises
Insurance for Business or Farm use Personal Property, including tools and other items
Insurance for every building or the ability to exclude buildings from coverage
Farm Machinery that is owned, borrowed, rented or leased
Liability coverage for a wide range of entities and operations exposure with liability limits up to $2,000,000 per occurrence and a $4,000,000 aggregate limit.
Specialty Coverage such as:
Market Garden Liability
Self-Pick Liability
Loss of Income
Extra Expense
Livestock
Special Dairy Products Spoilage Coverage
Milk Contamination
Mechanical Breakdown Coverage
Commercial Refrigeration Systems Coverage
Greenhouse
Roadside Stands
Farm Insurance Discounts and Credits that may be available to you if your qualify:
New Home
Renovated Home
Multi-Policy
Account Credit
Gentleman Farm Owner
Hobby Farm
Policy Renewal
Supporting Business
Nonsmoker
Possibly More...
For more information and to find out if your farming operation qualifies please contact us insurance@drickardinsurance.com or 607-843-8860.