For more than 130 years, Henry M. Murray Agency has provided insurance protection for farmers. Despite a national decline in the number of active farms, we remain a leader in Maryland for agricultural insurance and offer a variety of products to meet the individual needs of family farm businesses.
Farm Insurance Coverages
Insurance is a must for all businesses including farm businesses. One mistake farmers make is thinking that their homeowners insurance will provide adequate coverage for their property and farming operation. The most important thing a family farm can do is meet with a farm insurance specialist to find out which types of insurance and levels of coverage are needed to reduce risk and legal liability.
Farm Property Insurance Coverage:
- Farm Buildings
- Farm Equipment
- Personal Property
- Liability Coverages
Optional Farm Insurance Coverages:
- Dwelling Replacement/Ordinance or Law
- Sump Overflow & Water Back-up of Sewers
- Farm Computer Coverage
- Disruption of Farm Operations
- Employment Practices Liability
Comparing Farm Insurance Coverage
Comparing the details of one farm insurance policy to another can be a huge challenge if you're not working with an independent agent.
An independent insurance agency like Henry M. Murray works with many different insurance companies, not just one. This allows us to give you several rates and compare several options side-by-side with no obligation or pressure to buy a specific policy.
How Can I Get The Best Rates?
Going with the cheapest coverage is usually not a good idea, especially when it comes to a farm business. There are many hidden risks and liability exposures when you own a farm or operate an agribusiness. As an independent insurance agency, we can help you compare car insurance options from several carriers and determine which is the best value for your needs.
Unfortunately, one of the worst things we see are family farms with inadequate coverage on buildings, machinery, equipment and livestock. One of our agents will walk you through a comprehensive interview to find out exactly what you have on your farm and what coverage you need to be protected.
Save Money on Farm Insurance
Everyone wants to save money, especially in a business operation. We'll help you cut cost without sacrificing coverage. There are usually discounts available for farmers who bundle business insurance with home and auto. Farmers may also qualify for discounts if they have certain risk management practices in place. Ask one of our agents for more details.
Farm Insurance FAQs
What type of Farm Insurance is available?
There is an insurance product available for virtually all types of farming practice. Basic farm liability covers two parts:
- Premise liability covers bodily injury or property damage for persons visiting the farm
- Product liability covers injury or illness as a result of consuming your farm products
What if I sell at a roadside stand or farmers market?
Liability coverage is available for farmers who do business outside of their farm property. Event endorsements are also available for limited events on or off farm.
I just have a hobby farm do I need insurance?
Depending on the size of your property and scale of your farm operations, you may find that an umbrella policy or increasing coverage on your homeowners is sufficient.
Get a Farm Insurance Quote
Henry M. Murray Agency was voted the "best" insurance agency in Annapolis because of our superior customer service and support. Let us evaluate your current farm insurance policy and help you determine if you have the right coverage at the right price.
Contact us today for a farm insurance quote. Call 410.417.6505 or request a quote online.