What to look for in an NC Poultry Farm Insurance policy!

If you’re like most busy poultry farmers, you work hard all day and then in the evenings you come home and don’t have much time for anything else. Especially when it comes to researching insurance policies- Who has the time for that?!

Most take the quick way out… you may have even had a moment when you went to your computer for insurance quotes and typed in a Google search for, “How do I insure my farm in North Carolina?” and just hoped for the best. We understand. In fact, we see it a lot. We talk to a lot of local folks just trying to get the proper amount of coverage to protect one of the biggest investments of their lives, their farm. All they want is great coverage, for a decent rate. Is that too much to ask? No, it’s really not… at least we don’t think so.

Poultry Farmers need a solid Insurance policy

Guidelight Insurance knows exactly what it takes to provide you valuable coverage in a Poultry Farm policy, at the best industry prices. We have experienced agents ready to answer all your questions. We’ll even sit down with you to take the time and explain the ins and outs of each insurance product choice. We call it ‘Second-mile service’ to savings.

Time is important to us, just as it is you, so we offer many ways for you to connect with us. We welcome your call, email, text or check out our website or schedule an in-person office visit. But what do you ask when speaking with our knowledgeable agents? Here is a helpful starting point:

When speaking with an agent about insuring your poultry farm, make sure you discuss the following coverage benefits:

1.Weather-Related Damage

Did ice and snow cause the roof of one of your buildings to cave? Or did a severe windstorm or tornado cause damage to one or several farm structures? Make sure your policy will cover the cost of repairs. Also, if your farm is in a flood zone, you may need additional flood insurance.

Roof Collapse (due to snow or ice) (Required) – Coverage for this peril is generally available for buildings less than 10-15 years old. Sometimes coverage is indicated in the policy by the word “included,” or if the insurance coverage on each house is described as “special” or “broad.” Even if your policy or quote describes the coverage as “special” or “broad,” please check your policy for exclusions. If the insurance coverage on the chicken houses is described as “basic,” check with your Guidelight Insurance agent as this may indicate that Roof Collapse is not included in your policy.

2. Loss of Income

Did damage, injury, market prices, an epidemic among your birds, loss of your workforce, or some other unforeseen circumstance cause you to lose income this year? Ask your Guidelight Insurance agent if your policy will help fill in the gaps of Replacement Coverage.

First, you need to carry enough insurance to be able to replace all the critical structures and equipment on your farm. Make sure to ask your Guidelight agent to outline under which specific circumstances this insurance will kick in. If key equipment suddenly starts malfunctioning, will your policy cover it? What about if a fire destroys your property? Ask specifically about wind damage, since this can be a big deal in North Carolina, and not every policy covers it.

3. Theft Coverage

Will your policy help you replace equipment or animals in the event of theft?

4. Worker’s Compensation

This may not be legally required on certain chicken farms, but it’s a good idea to carry it anyway.

5. Liability Insurance

Employee liability is recommended, and General liability is a must. General liability will cover you against personal injury and property damage that occurs on the farm. It can also help cover you in the event of lawsuits alleging injuries or damage (including pollution or animal cruelty claims) suffered by others. In some cases, the state or county government may also consider you liable for pollution events that occur both on and off your property.

Liability insurance is critical in protecting yourself from any injuries and/or property damage that may occur on the farm. Liability coverage can help protect you against lawsuits by providing coverage for the whole farm. Liability coverage should be no less than $500,000; however, $1,000,000 in liability coverage is recommended to protect your assets.

Remember there is a difference between Household Personal Property and Farm Personal Property.  Items that are used on the farm, for the farming operation, such as backpack blowers, compressors, tools, ladders, power washers, etc. are not covered for loss under your typical Homeowner’s policy. They should be scheduled as Farm Personal Property.

Be protected from the unexpected with NC’s largest Poultry Insurer. Growers today have enough on their minds than to have to worry about their insurance coverages. CALL or quote us today.

Since 1927, we take pride in helping local folks in our North Carolina communities feel secure knowing they are covered on all fronts. Our agents are standing by to help you.

If you have any questions regarding Trent & Associate’s re-brand to Guidelight Insurance, feel free to call (828) 552-5477 or email at WeCare@guidelight.com.

Poultry Pro Program Custom solutions for Poultry growers since 1961

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Jason Trent
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