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General Liability Insurance

What is General Liability Insurance?

The General Liability policy provides insured’s with a certain degree of liability coverage for: accidents arising out of farm operations; livestock getting onto a highway; injury or death of farm employees; injury to members of the public or visitors on the insured's premises; and for accidents arising out of the insured's personal activities or dependent family members residing in the insured's household.

Why do you need a General Liability policy?

Farmers, individuals, and businesses may not always be aware of their liability exposures from farming activities, from the public, or from their employees. Each person, owning or in charge of property, residing either on or away from a farm, is subject to the constant possibility of claims or suits for damages due to bodily injury or the death of others, and for damage to or destruction of the property of others. Laws of negligence in conduct apply to personal, farm, and business activities.

What are some coverages provided by the General Liability Policy? Return to List

Bodily Injury Liability
Our General Liability policy pays for bodily injury, sickness, or disease, including death, for which you are legally obligated to pay, resulting from certain types of accidents. It also pays to defend you in a claim or suit asking for damages.

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Property Damage Liability
The General Liability policy also pays for property damage which you become legally obligated to pay because of injury to or the destruction of the property of others, for certain types of accidents.

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Medical Payments
The policy also pays reasonable expenses, up to the limit of liability, incurred within one year from the date of a covered accident for necessary medical, surgical, ambulance, hospital, professional nursing, and funeral services to or for each person who sustains bodily injury, sickness or disease, caused by an accident: 1) while such person is on your premises with your permission or 2) while elsewhere, if the accident is caused by you, your animals, your farm employees while working for you, or if it arises out of a condition on your premises.

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Limited Farm Products Liability
When you choose Farm Products Liability coverage, the policy pays up to $5000 for damages you become legally obligated to pay as damages resulting from the production and sale of agricultural products, produced on or for use on your farm premises.

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Death of Livestock on Public Highways If you choose to purchase this optional coverage, your policy will pay for loss by death of certain types of livestock, such as cattle and horses owned by you, caused by the animal being struck by a motor vehicle that is not owned or operated by you or your employees, while the animal is within a public highway and is not being transported.

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Coverage Can Be Extended

This policy may be extended to provide protection for:
  • Custom farming
  • Residences owned by you including tenant and seasonal dwellings
  • Certain additional businesses owned by you
  • Liability for boats with motors over 25 hp
  • Vacant lots and non-farm acreage
  • Employer's Liability to Farm Employees
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In addition...the General Liability policy also provides legal defense against claims, payment of court costs, and premiums on bonds in conjunction with suits for covered damages and a limited amount for voluntary property damage coverage for damage caused by you to the property of others. Contact a Farm Bureau Insurance agent for complete details regarding specific policy coverages and rates.

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