Insurance for Crop Farmers in Texas

Insurance for Crop Farmers in Texas

As a crop farmer or someone who’s in the agricultural industry, you know that there are a lot of inherent risks involved in your line of work. Since you grow, harvest, and deliver fresh produce, one bad day can destroy an entire season’s worth of profit.

Though you probably already have experience coming back from tight situations, you can’t always be sure that you have the monetary means to keep your farm running. There may come a time when you're in danger of losing everything you’ve worked hard for due to the following scenarios:

  • Natural disasters (e.g. fires, floods, etc.)
  • Negligence made by you or your workers
  • Significant property or equipment damage

Fortunately, with the right insurance plan, you can receive the financial aid you need to cover these losses.

That’s why, if your crop farm in Texas needs insurance, you should contact Quote Texas today. We’ve been in the business of creating comprehensive insurance plans for various industries since 2001 and we know exactly which policies will suit your agribusiness best.

Get the Perfect Coverage for Your Farm at Quote Texas

Our agents are experienced in working with various kinds of farms, so you can trust us to be your ally whenever you need financial assistance. We can create a plan that’s tailored to your needs, but if you’re interested in purchasing a specific policy, we recommend getting one of the following:

Commercial General Liability

Commercial general liability is one of the basic policies you can buy. It protects your farm from a number of financial burdens if ever you’re sued for injury or damage arising out of your business operations or laborers. Some of these claims may include:

  • Personal injury and advertising
  • Damage to other people’s property
  • Bodily injuries and deaths

Commercial Auto

If you use several commercial automobiles to keep your business running, commercial auto insurance is crucial. Your drivers can’t control everything that’s happening on the road, and insuring your vehicles can spare you from paying for the damages out of your own pocket.

In general, commercial auto insurance covers the cost of the following situations:

  • Vehicle damage resulting from collision and non-collision (e.g. theft, fire, flood, etc.) incidents
  • Liabilities resulting from death, injury, or damage to another person’s property
  • Personal or medical payments of the insured
  • Property damage or injury caused by hit-and-run motorists or the uninsured

Workers Compensation

Workers compensation is an insurance policy that provides your laborers with a number of benefits. These benefits give them financial support if ever they encounter an unwanted situation while at work.

When your laborers know that they’re being protected, they can work confidently and with peace of mind.

Equipment & Tools

You use heavy equipment and tools when completing your day-to-day operations. Because of this, you do your best to keep them in great shape. However, they aren’t indestructible and still have a risk of breaking down. Once they’re damaged, the cost of fixing or replacing the systems can get pricey.

Thankfully, with equipment and tools insurance, you don’t have to pay with your own money. This policy pays for the repairs or replacement of your owned or hired equipment in the event they end up in a terrible circumstance. These perils include:

  • Damage due to accidents or external calamities (e.g. fires or explosions)
  • They were stolen or vandalized
  • Fraud

Commercial Property

Aside from your crops and machines, you also have to consider protecting the structure of your farm. In an event of a disaster, commercial property insurance will pay for the damages or losses of the following:

  • Furniture and fixtures
  • Building or structure
  • Equipment and inventory of goods
  • Other people’s properties
  • Landscaping

Give us a call at 844-756-8684 and let’s start discussing your plan today. We’ll also give you more information regarding each policy if you need more clarification or have any questions.