• Dwelling
• Personal Property
• Farm Buildings and Structures
• Farm Personal Property
• Automatic Coverage for New Construction
• Private Power and Light Poles
• Farm Operations Records
• Employer Liability and Medical Payments
• Milk Spoilage
• Silo Bags in the Open
• Equipment Breakdown
• And more

• Farm Machinery Replacement Cost
• Loss of Use and Extra Expense
• Rental Cost for Heavy Machinery
• Pollution Liability
• Ingestion Coverage
• Milk Contamination
• Peak Season
• Accounts Receivable
• Employee Dishonesty
• Incidental Business Pursuits
• Livestock Suffocation or Freezing
• Computer Insurance
• Insurance for Semen and Embryos
• And more

• Farm Employee Benefits Liability
• Employment Practices Liability
• Diminishing Deductible
• Owner’s Cargo
• Business Income and Extra Expense
• Business Income from Dependent Properties
• Rental Cost for Mobile Equipment
• Ingestion Coverage

• Farm Owners Advantage Plus Endorsement
• Farm Machinery Replacement Cost
• Farm Building Blanket Coverage
• Increased Replacement Cost on Farm Buildings on a Per Building Basis

• Hail - Covers the growing crops specified at the location described in the policy for the direct loss of crop yield due to hail.
• Fire or Lightning - Covers damage by fire unless caused by insured’s neglect, when endangered by fire from neighbor’s property, or other stated causes in the policy.
• Vandalism - Covers damage unless caused by an occupant of any location on the policy or the insured’s farm or domestic employee.
• Damage by Non-Owned Vehicles - Covers damage unless caused by an occupant of any location on the policy or the insured’s farm or domestic employee.
• Tipovers - Covers loss from overturning of any vehicle on which the insured crop is transported. Coverage provided to first place of storage, limited to 50 mile radius.
• Replanting Allowance - Covers portion of replanting cost from hail damage.

• Field Crops - Including, but not limited to alfalfa, barley, broom corn, buckwheat, clover, field corn, flax, grain sorghum, oats, popcorn, soybeans sunflowers, and wheat.
• Truck Crops - Including, but not limited to cabbage, canning peas, carrots, cucumbers, floral stocks, green beans, melons, mint, onions, potatoes, pumpkins, squash, sweet corn, tobacco (requires its own policy), and tomatoes.
• Fruit Crops - Including, but not limited to apples, berries, cherries, cranberries and grapes.

• Bodily injury and property damage for both sudden and gradual pollution incidents resulting in environmental damage.
• Contamination of neighbors’ private wells due to a leaking fuel tank on your property.
• Illness to a neighbor due to contaminated ground water resulting from fertilizers used on your farm.
• Damage to a nearby waterway resulting from a manure container spill on your farm.
• Damage to a neighbors’s crop or property from manure runoff or oversprayed chemicals.

This system, created by the Wisconsin Worker’s Compensation Act, provides distinct benefits for employees who have sustained injuries or illnesses related to employment, including:

• Coverage for all reasonable and necessary medical costs
• Payments for temporary loss of wages
• Payments for permanent loss of earning capacity

Worker’s Compensation restricts injured employees or their family members from suing the employer due to injuries sustained at work. In addition, Rural Mutual Insurance’s policy incorporates Employers Liability Insurance. This added benefit covers employer liability if an employee sustains an injury in a work-related accident that is not covered under the Worker’s Compensation Act.

Depending upon certain conditions, your business may be eligible for flat or variable dividend plans. Eligibility requirements include review of:

• Premium threshold
• Three-year loss ratio
• Exposure severity
• Experience modification factor
• Active safety program participation
• Verification of premium and loss report from prior carrier, if required

Rural Mutual Insurance has highly experienced claim adjusters who investigate claims for coverage, compensability, and effectively manage the disability and medical treatment of Worker’s Compensation claims. At the same time, you and your employees will be kept informed throughout the life of a claim. Rural Mutual Insurance uses state of the art technology in the medical bill review process and has experienced a 26% net savings in those medical costs.

Addressing safety and health issues in the workplace is in everyone's best interest. We offer safety and loss prevention services to the businesses we insure to help reduce the potential for injuries, illnesses and property losses. Rural Mutual Insurance has a library of safety videos you can use when educating your employees on farm safety issues. There are also safety and employee templates available to be tailored to your specific needs.