Your farm is your livelihood, and it deserves to be protected. At HomeSale Insurance Services, we work with farmers across Pennsylvania and Maryland to get them the coverage they need to deal with life's unexpected events. No matter how big or small your operation is, whether you live onsite or off, or what kind of farming you do, we're here to find the policy that works for you!
Is insurance mandatory for farmers in Pennsylvania and Maryland? Generally speaking, yes. In order to be able to handle potential claims from things like worker or visitor injuries or consumer illness, your farm must carry at least basic liability insurance. Even something as seemingly simple as a manure spill out on the road could result in the need for an insurance claim. It's also worth noting that if you drive any of your farm vehicles or machinery out on public roads (even if just moving from one location on your farm to another), you must carry additional liability insurance as per state law.
Now, the amount of liability coverage you will need will depend on a number of factors, such as the value of your business and its machinery, the size of your property, the amount of workers you have, whether or not you have visitors, etc. Whether you lease or own the land will also be taken into account.
We understand that many of today's farms have grown beyond the traditional family farms of decades past. Whether you're a joint operation, run a community garden, double as an event venue, or have your own unique circumstances, we want to protect what makes you, "you." That's why we work with a variety of insurance providers to find the policy that fits.
Ready to start exploring your coverage options in Pennsylvania or Maryland? Give us a call or shoot us a message on our HomeSale Insurance Services website. We look forward to getting to know you!