gaig_logoOur specialized programs and coverages help meet the risk management needs of a wide range of equine operations.  Our equine farm products provide solutions for most exposures presented in the equine community ranging from monoline property and liability, care, custody or control, to umbrella and auto.

Farm Coverages

Coverage A – Dwelling

  • Replacement Cost – Included when insured to 80% or more of replacement cost value
  • Extended Replacement Coverage – Up to 125% of limit available for a charge (Subject to underwriting requirements)

Coverage B – Appurtenant Private Structures

  • Limit – 10% of dwelling for detached garages, swimming pools, and many more. (Higher limits available)
  • Signs & Entrance Gates – $2,500 (Excess of deductible)

Coverage C – Household Personal Property

  • Replacement Cost – Increases Coverage C to 70% of dwelling limit for an additional charge
  • Refrigerated Products – $1,000 for refrigerated household contents (No deductible applies)
  • Limit – 50% of dwelling (Higher limits available)
  • Theft or Mysterious Disappearance
    • Furs, Jewelry, Precious and Semi-precious Stones and Watches – $3,000
    • Gold ware, Gold-plated ware, Silverware, Silverplated ware, Platinum ware, Platinum-plated ware and Pewter ware – $5,000
    • Firearms and Related Equipment – $7,500 Coverages

Coverage D – Loss of Use/Rental Value

  • Limit – 20% of dwelling

Coverage E & F – Farm Personal Property
(These sub-limits may be increased with prior approval)

  • Borrowed Farm Machinery – $50,000 for up to 30 days
  • Replacement Machinery and Equipment (Newly Purchased or Leased) – $75,000 for up to 30 days
  • Add’l Machinery and Equipment (Newly Purchased, Leased or Rented) – $125,000 for up to 30 days
  • Personal Property of Others – $2,500
  • Replacement Cost – Available for office contents and tack
  • Transportation – $5,000 included
  • Farm Records – $2,000 for restoration (No deductible)
  • Extra Expense – $3,000 included (No deductible)
  • Livestock – Up to $5,000 per animal available (Other than animals individually described and specifically covered)
  • Miscellaneous Equipment – $5,000 for one occurrence
  • Electronic Data Processing – $5,000 ($250 deductible applies)
  • Hay – $25,000 for any one stack in the open
  • Cab Glass – Included in Special Causes of Loss form
  • Peak Season – Available for seasonal fluctuations

Coverage G – Other Farm Structures

  • Replacement Cost – Applies when insured to 80% of
  • Replacement Cost. If not insured to 80%, Actual Cash Value applies
  • New Construction – Automatic $125,000 coverage for 60 days
  • Loss of Income – Available for covered perils
  • Signs & Entrance Gates – $1,000 (Excess of deductible)
  • Private Power and Light Poles – $1,500 (Excess of deductible)

Farm and Personal Liability

  • Newly Acquired or Leased Premises (automatically covered during policy term – must be added at renewal to be covered.)
  • Broad Form Contractual – Included
  • Custom Farming – Included with receipts less than $25,000
  • Personal Injury – False arrest, slander, wrongful entry and eviction covered
  • Advertising – Included
  • Incidental Business Pursuits – Available subject to underwriting guidelines for charge
  • Limits
    • Occurrence – $1,000,000
    • General Aggregate – $2,000,000
    • Aggregate Products/Completed Operations – $2,000,000
    • Personal/Advertising Injury – $1,000,000
    • Medical – 1% of occurrence limit
    • Fire Damage – $100,000
Coverage Options

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Great American Insurance Company has been insuring farm and ranch operations for over 100 years.  They specialize in providing coverage for full-time operating farms and ranches and agricultural operations on a nationwide basis.  They operate through independent agents who specialize in the rural market and have been selected for their underwriting and marketing expertise in supporting the rural customer.  Great American Insurance Company has been rated A (Excellent) by A.M. Best for over 100 Years (as of March 29, 2012), and is recognized as one of the country’s most stable and reputable insurance companies.

Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions.