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Agri & Equine Insurance

Protecting your Agribusiness & Equine Endeavors.

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Coverage throughout Northeast Ohio and across 48 States.

Gibson Agri & Equine Insurance provides insurance solutions for agribusiness operations and equestrian endeavors. Coverage is available for all types of farms and equine-related risks both locally and across the nation. Personally involved in these industries, our team is knowledgeable and passionate about protecting your agri & equine ventures.

Equine:

The financial investment of your horse is too important to go unprotected. Thatโ€™s why Gibson Agri & Equine Insurance works hand in hand with you to ensure you get the best possible coverage for your beloved horse or equestrian endeavor.

WE OFFER INSURANCE FOR ALL TYPES OF HORSE FARMS AND FACILITIES:
  • Boarding
  • Training
  • Breeding
  • Private Farm Owners
  • Racing Stables
  • Dude & Guest Ranch …and more
WE ALSO OFFER LIABILITY COVERAGE FOR A RANGE OF EQUINE-RELATED BUSINESSES:
  • Carriage/Trail/Pony Rides
  • Horse Shows
  • Independent Trainers
  • Horse Clubs
  • Therapeutic Riding Centers
  • Rodeos
  • Workersโ€™ Compensation & Employers
  • Veterinarians …and more
MORTALITY & SPECIALTY COVERAGE

We understand the emotional and financial burden linked to equine mortality. Our mortality packages can be customized to encompass coverage for accidents, injuries, diseases, surgeries, transit, loss of use, theft, barrenness, and infertility. This ensures thorough protection for your cherished equine partners.

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Farm
ATV / Utility Vehicles
Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure
Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when itโ€™s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage
Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season
Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution
Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella
Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control
Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity
Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops
Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property
Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage
Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm / Agribusiness:

At Gibson Agri & Equine Insurance, we are sensitive to the changing needs of farmers. Traditional farmers are expanding their operations to include new and different options; in doing so they are met with new liability issues and new risk management needs.

Agribusiness is highly diversified, and there are no “one size fits all” insurance solutions. Gibson tailors your agribusiness policy to you and your familyโ€™s unique and specific needs.

WE OFFER INSURANCE FOR ALL TYPES OF FARMS:
  • Growers & Packers
  • Poultry Farms
  • Cattle Farms
  • Horse Farms
  • Dairy Farms
  • Berry Farms
  • Pig & Sheep Farms
  • Grain & Field Crop Growers
  • Alpaca Farms
  • Wineries & Vineyards
  • Gentleman Farms
  • Family Farms
  • Manufacturers & Distributors
    …and more
IMPORTANT AGRIBUSINESS INSURANCE COVERAGE CONSIDERATIONS:
  • Business Income & Extra Expenses
  • Farm Equipment
  • Equipment breakdown
  • Pollution
  • Livestock Coverage
  • Transit Coverage
  • Farm & Personal Liability
PROTECT YOUR EQUIPMENT, YOUR CROPS, YOUR LIVESTOCK AND YOUR LIVELIHOOD

Farm and Ranches have the typical coverage needs of any business โ€“ property insurance, liability insurance, workersโ€™ compensation, etc.; but it is the unique risks that the agribusiness community faces that require the skills of an Agribusiness Farm Insurance Specialist (AFIS).

Fighting the forces of weather, animals and the business world is all part of the job. High winds may not matter much to a traditional retail business, but for an agribusiness operation, it could affect your bottom line.

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Agri & Equine Insurance Quote Request

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