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Farm package optional coverages

Farm enhancements

Coverages
AG Essential Enhancement
AG Premier Enhancement

All appurtenant structures
(garage, gazebo, garden shed, etc)

Emergency vacating expense

Employee theft

Forgery and alteration

Green coverage (RC for improved
energy efficiency)

Household personal property
off premises


Money and securities


Newly purchased or replaced machinery, vehicles & equipment -
Limit and coverage period

Ordinance or law (loss to the
undamaged portion of the building  -
up to the building limit)

Personal effects and property of others

Pollutant clean up

Refrigerated goods spoilage

Signs and entrance gate

Water back-up endorsement



Disruption of farming operations

20% of coverage A
(dwelling limit)

$1,000 limit

N/A

N/A

$5,000 limit


20% of coverage C
(personal contents)-Limit or
$2,000 whichever is greater

N/A


$150,000 limit /
45 days coverage period


Demolition cost - $25,000 /
Increased cost of construction - $25,000

$2,500 limit

$25,000 limit

$1,000 limit

$500 limit

$25,000 any dwelling or appurtenant structure
including sump pump

$25,000 limit

20% of coverage A
(dwelling limit)

$5,000 limit

$5,000 limit

$10,000 limit

$5,000 limit


20% of coverage C
(personal contents)-Limit or
$5,000 whichever is greater

$10,000 on /
$5,000 off premises

$500,000 limit /
45 days coverage period


Demolition cost - $50,000 /
Increased cost of construction - $50,000

$5,000 limit

$25,000 limit

$1,500 limit

$1,000 limit

$50,000 any dwelling or appurtenant structure
including sump pump

$25,000 limit

Care, custody and control

Coverage highlights

  • Defense and court costs for litigation, and payment for judgements up to the aggregate policy amount (per animal limit applies)
  • $10,000 liability limit for non-owned horse equipment
  • Choose from various limits to meet your needs
  • No deductible applies
  • Available by endorsement to your commercial equine liability or horse farm package policies

Excess or umbrella liability
Coverage is an excess limit of general liability over third party liability coverages. We require the primary general liability policy to be written with Markel. The auto and employers liability can be written with outside carriers. Self insured retention of $10,000.