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Helping Our California Farmers Make Sense of Their Risks and Costs

For the average person, insurance is often seen as a financial burden—the law requires it, you think you will never use it, but you’re very grateful it’s there when you need it!
 
For the farmer, the desire to have the correct insurance policy stems from the need to protect yourself from losses relating to a personal injury, damage to equipment, undesirable weather, etc….
 
At PFC Insurance Center, we help identify the insurance needs of our farmers, educate our farmers on the coverages available to them, and build the correct policy to fit their operation whether it is a hobby farm or a commercial operation.

​What Are the Essential Policies for Farm Owners?

• Farms often double as the residence. Many farm insurance policies begin with basic homeowner’s or farm property insurance.
  
  
• After protecting your home, personal property, and farm personal property the next critical piece of the puzzle is liability coverage for any accidents that may occur on your property. Comprehensive farm liability policies cover your family and staff as well as visiting guests and customers if they are injured in any way.
  
  
• Depending on whether you run a traditional farm or a commercial agribusiness, a commercial business policy can be customized to fit any business activities on your farm.
  
  
• Lastly, coverage for employees, even if your staff is family, is a MUST. There are State specific guidelines for these policies. Contact our team at PFC for the rules applying to California and beyond.

​Why is it Important to Work with an Agent?

As we’ve established, farm insurance policies differ vastly from standard personal insurance policies.  Many people are becoming more and more comfortable purchasing auto insurance online; however, when it comes to farm insurance, establishing a relationship with an agent or broker specializing in agriculture will provide the farmer with the proper, critical support.
 
Whoever your agent may be, the agent you choose should be trustworthy and knowledgeable. He or she will guide you through the policy building process, offer suggestions on important coverages,  answer any questions, and assist you through the claims process should the need arise.
 
Your comfort and coverage is very important to us. PFC Insurance Center welcomes any and all questions concerning our Agency and carriers as well as the coverages we offer.  Please don’t be afraid to voice your concerns and questions. We work hand in hand with you to ensure we have all the details to protect your home, farm, and business properly.
 
For more information on farm insurance from PFC Insurance Center, visit our farm/agriculture insurance page or simply contact us today.

(530) 749-2388
311 5th Street
Marysville, CA 95901
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