Agriculture is important to Wisconsin, generating more than 400,000 jobs and contributing more than $88 billion yearly to the state economy. Whether you own a small crop farm, a cattle ranch, or a large dairy enterprise, thank you for doing your part to keep The Badger State strong. We here at Lillie-Couch Insurance would like to return the favor by doing our part to protect your farm and help ensure its continuity. It’s no easy task to run a farm or ranch – there are plenty of risks involved. We offer insurance designed to protect you and your farm so that you can spend less time worrying about the little things and more time doing what you do best.
Liability
Liability claims not only put a damper on business, but they may even have the power to shut you down. If you are sued for someone’s bodily injuries, property damage, or personal injury, the financial consequences could deal a major blow to your farm. We offer liability protection for claims against you, members of your household, and your workers.
Property
If you own a farm, you probably have a lot of property to protect. This is especially true if you live on it.
Dwelling and Personal Property
We can offer farm insurance that protects your house, personal belongings, and emergency living expenses if you suffer a loss caused by theft, fire, wind, lightning, or other covered events.
Structures
Your outbuildings, including barns, stables, and silos, all need protection against damage and loss.
Equipment and Vehicles
Your farm equipment is likely one of your biggest investments. It is important to protect your heavy machinery and vehicles with the right insurance protection.
Tractor Insurance
We can help cover your tractor, plow, combine, planter, and more against damages caused by a wide range of covered events.
ATV and UTV Insurance
You use your all-terrain vehicle to do the dirty work around your property. Protect it with insurance that covers your vehicle and any liability you may incur as a result of ownership and operation of your ATV.
Commercial Vehicle Insurance
If you drive a vehicle for business purposes, make sure you have insurance that looks after your best interests. We offer insurance for business vehicles that covers liability, physical damages, medical payments, and more.
Business
If your farm is more than a one-person show, you will need insurance that protects you, your workers and your business. Your coverage might include:
Workers Compensation Insurance
All employers are required to purchase workers compensation insurance that helps cover the injuries and accidental death of workers on the job. This type of insurance helps pay medical bills, rehabilitative expenses, and lost wages during a worker’s recovery period.
Business Interruption Insurance
If your day to day operations are suppressed or halted by a covered event, such as equipment damage, your insurance may cover net income losses and the cost of ongoing financial obligations, such as payroll and bills.
Employment Practices Liability
Your employees and workplace applicants have rights. If one sues you for discrimination or some other wrongful employment practice, you need insurance that will help cover the financial consequences.
Industry-Specific Coverage
Certain types of insurance needs are specific to the industry in which you work. At Lillie-Couch Insurance, we get to know our customers and make recommendations for coverage based on unique, industry-specific risks. Examples include:
- Farm Pollution Insurance
- Spoilage Coverage
- Borrowed Machinery
- Animal Custody Liability
- Accidental Injury or Death to Livestock
- Livestock Illness and Disease
- Equine Endorsements
Farm Insurance Quotes
If you own a Wisconsin farm, you need comprehensive coverage that protects you against nearly any potential loss. Whether your animals graze on someone else’s property, your cows are struck by lightning, your house catches fire, or one of your workers falls off the tractor, we can help you safeguard your income and assets. Call us today to see how much we can save you on coverage for your farm. We look forward to serving you soon.
