You can’t predict weather, stolen machinery or cattle being struck by lightning. Such uncertainty is simply a way of life for farmers. This is why you need an insurance policy that’s a sure thing. SIG offers dependable insurance policies that work as hard as you do. Based on the package policy concept, our plans let you build a package of coverage that fits the special insurance needs of your farm or ranch:
Home, Personal Property Coverage The Farm/Ranch policy provides coverage for your home and personal property, such as your clothes, furniture and appliances.
Loss of Use Coverage provides payment for certain losses when your home is damaged and rendered uninhabitable because of an insured loss.
Regardless of your size, these coverage’s can be tailored to fit the specific needs of your farm to cover your farm personal property and farm buildings and structures.
Scheduled Farm Property Coverage provides protection against specified perils for the farm personal property that you specifically name.
Unscheduled Farm Personal Property Coverage provides specified perils coverage for the farm personal property that you use in your farming operations.
Farm Buildings and Structures Coverage provides specified perils coverage for farm buildings and structures you specifically describe.
For an additional premium, coverage for your farm machinery, farm buildings and structures can include accidental direct physical losses. This coverage may provide for additional losses such as partial or total collapse of farm buildings. Some specified perils may include:
- Fire or lightning
- Windstorm or hail
- Vandalism or malicious mischief
- Riot or civil commotion
Additional perils for livestock (included at no extra charge):
- Attack of livestock by wild animals or dogs (loss to sheep not included)
- Accidental drowning of livestock
- Accidental shooting of livestock
- Accidental electrocution of livestock
Farm Liability Coverage provides payment for your legal liability up to the limits in the policy for damages because of bodily injury or property damage caused by an occurrence to which this insurance applies.
Medical Payments to Others. This coverage provides medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured. Coverage also extends to people accidentally injured by your activities. However, this coverage does not extend to you, your family or employees.
SIG understands you are looking for a relationship with a stable and trustworthy company. You want an expert, caring advisor who works toward making your insurance experience easy and convenient. An advisor who ensures there are no unwelcome surprises and peace of mind, especially in your time of need. Our knowledgeable agent advisors provide auto, home, life & annuities, health, business and farm & ranch insurance.