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There are roughly 2.04 million ranches and farms in the US. Farm insurance is a must-have whether you are a small-scale or large-scale farmer. At Hanneken Insurance Agency Inc., we help farmers like you in Little Falls, MN to access suitable farm insurance. Here are some of the risks you are exposing yourself to if you don’t have farm insurance as a farmer.
1. You Could Lose Your Farm Machinery and Equipment to Theft and Vandalism
It’s no secret that farm machinery and equipment are a massive investment. Paying to repair your farm machinery and equipment out of pocket because you have no farm insurance after an act of vandalism can be financially crippling. If the machinery and equipment are stolen and you have no farm insurance, you might be unable to purchase replacements.
Both theft and vandalism of your farm machinery and equipment can potentially bring your farming operations to a halt for a long time if you have no farm insurance. Most farm insurance policies cover the cost of repairing vandalized farm machinery and equipment and replacing stolen ones.
2. You Could Lose Everything
Whether you are farming livestock or crops, your success largely depends on mother nature. This is because an unpredicted extreme weather event such as a snow storm can ruin your crops and deny you a harvest. On the other hand, an unforeseen natural occurrence such as a disease outbreak can wipe out your entire herd of cattle, a flock of chickens, e.t.c.
If you had no farm insurance and lost everything, this can lead you to bankruptcy. However, if you have farm insurance, it will compensate you for the losses you incurred.
Looking for Farm Insurance?
As a farmer in Little Falls, MN, and the surrounding areas, Hanneken Insurance Agency Inc. offers you reliable farm insurance options. Call us today to learn more and get started with a quote.