Beloit Location
121 E. Main St
Beloit, KS 67420

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Fax: 785-738-4812

Farm Insurance

Farm Insurance Information

Farm Insurance in Beloit, Osborne and Smith Center, KS

Farming is a risky profession filled with hazards that can affect a farm’s production. These are unique challenges that farmers face daily—from animals, specialized equipment and crops to fertilizers and pesticides—all can cause unexpected accidents. Securing the proper insurance for unforeseen accidents is what farmers need to protect their livelihood and perform their daily work.  

What Does Farm Insurance Include?

Farmers need insurance specifically tailored to them and their unique operational challenges. Farm insurance can include numerous coverages to provide the special protection a farmer needs. These coverages may include: 

  • Commercial auto insurance covers vehicles owned by a farm or used in its operations.

  • Crop insurance helps replace the income from lost crops due to weather, fires and other hazards.

  • Equine insurance can help insure horses against death, injuries and other hazards.

  • Farm dwelling insurance can help cover a home if the farmer lives on your farm.

  • Farm equipment insurance can help pay for vital assets like pumps, rakes, sprayers and other tools if they are damaged.

  • Farm liability insurance can help repay various people, including clients, from bodily injuries or property damage suffered during farming operations.

  • Farm livestock insurance can help recover the profit from the loss of animals.

  • Farm structures insurance helps insure barns, grain silos and other property.

  • Tractor insurance can help protect tractors against damage or other losses.

  • Umbrella insurance can help cover the remaining costs if a claim exceeds the policy’s standard liability limits.

  • Workers’ compensation insurance pays a supplementary employee income if work-related injuries or illnesses force part- or full-time employee from the job.


How Much Insurance Is Necessary? 

Your farm insurance depends on a few things, including: 

  • Additional structures on your farmYou may want farm insurance if you have secondary structures such as a barn or stable

  • Employees—If you have employees, you may want coverage for potential liability situations and workers compensation claims. 

  • Income-earning livestockIf you have livestock that generate income for your farm, you may want to consider having farm insurance.


How We Can Help 

Even with the best precautions, accidents can happen. Farmers need to ensure that their livelihood isn’t affected by not having the appropriate insurance. Maximize your farm’s production and minimize your financial liability with farm insurance. The Fouts Insurance Agency Inc. team can help you obtain the farm insurance you need. Call us today at 785-738-3558 to speak with an agent.