Insuring your farm and agribusiness in Indianapolis and all over IN

Maintaining a farm requires an investment of both time and finances. Unlike many traditional businesses, farming is more than just a job—it’s also a lifestyle. IN farmers are invested in the products they grow, raise, and harvest. At Merritt Hall Enterprises, Inc, we’re inspired by this commitment and strive to return the favor in the form of comprehensive farm insurance protection.

We’re aware of the long hours and extensive funds farmers in IN supply their agribusiness – from small, family run farms to large, commercial enterprises. Farm insurance coverage can protect the growth of these operations on a long-term basis.

Farm Insurance Coverage Details

Whether you raise crops, livestock, or both, we’ll take time to learn the ins and outs of your farm operation. As local agents, we have an advantage when identifying common risk exposures of local farmers. We also conduct onsite visits to each farm we insure, offering free risk management assessments during our review.
 
Coverages available within our farm insurance program can protect a wide-range of assets essential to your farm. Machinery, such as combines, tractors, and planters, are secured through farm equipment insurance. Farm owners insurance encompasses protection for any dwellings planted on the property, as many farms we secure serve as more than just a business for our clients—they’re also home.

Our agents are available to guide clients through all the coverages available, which include but are not limited to:

• Farm Owners Insurance
• Farm Livestock Insurance
• Equine Insurance
• Farm Equipment Insurance
• Farm Dwelling Insurance
• Farm Structures Insurance
• Farm Auto Insurance
• Farm Umbrella Insurance
• Farm Liability Insurance

Agents Planting Protection for IN Farmers

Our staff is comprised of individuals available to answer questions as they arise. Service extends long after the policy purchasing process, with coverages monitored for accuracy and cost effectiveness. When the farmers we insure purchase new equipment or add acreage, all they have to do is let us know and we’ll adjust policies accordingly.

Common Farm & Agribusiness Insurance Questions:

What is an Agribusiness?  

The agricultural industry is a massive one by contemporary standards. Of course, it starts with your average family farm or ranch, but can include numerous other types of businesses, including:

Failure to adequately insure these operations could be detrimental, as both product damage and significant financial losses can occur.

What is Agribusiness Insurance?  

Agribusiness insurance primarily deals with raw materials, organic matter, livestock and crops. All of which have specific, unique liabilities. It can be very hard to recover if losses to these items occurs. Agribusiness insurance ensures that things like livestock or property damage will be covered if they were to occur. 

You’ll have the ability to file a claim if some type of damage occurs to your agribusiness. After filing a claim, you’ll be given a certain amount of financial assistance to help out with losses. 

What are the Benefits Agribusiness Insurance Can Provide?  

There are numerous insurance options available for the average agricultural business, including:  

Crop Insurance  
Damage to crops might arise from weather, fires and other hazards. This coverage can pay you a settlement to help you replace those items and lost income.  

Farm Livestock Insurance  
A loss to your animals could mean a loss of profit. Therefore, this coverage can help you recover the results.  

Equine Insurance  
Horses are often valuable both for farm operations and their market value. Therefore, when you breed or raise horses, a single loss might cost you a lot of money. This coverage can insure your horses against death, injuries and other hazards.  

Farm Equipment Insurance  
Should important assets like pumps, rakes, sprayers and other tools get damaged, then this coverage can help pay for those items.  

Tractor Insurance  
Standard equipment insurance often doesn’t cover tractors or other farm vehicles. You can buy separate coverage to protect these items against damage or other losses.  

Farm Dwelling Insurance  
If you live on your farm, then this policy can cover your home and other personal property.  

Farm Structures Insurance  
This coverage insures barns, grain silos and other property.  

Commercial Auto Insurance  
Vehicles owned by the farm or used in its operations will need commercial auto insurance rather than personal auto insurance.  

General Liability Insurance  
Your operations might cause bodily injuries or property damage to various third parties, including your clients. This coverage can repay them for their losses.  

Umbrella Insurance  
Under standard liability insurance, there will be limits. However, if a claim exceeds these limits, then umbrella liability coverage can help cover remaining costs.  

Workers’ Compensation Insurance  
Agricultural businesses often are obligated to buy to buy workers’ compensation. It will pay an employee supplementary income if work-related injuries or illnesses force them off the job.  

You have assets to protect no matter what the size of your agribusiness is. Whether it’s livestock, crops or other property, ensure that they are protected and secure with agribusiness insurance. Find out the right plan for you and your agribusiness.  

To begin working with our agency to grow your farm insurance portfolio, feel free to request a quote.

 

Additional Resources:

• Indiana Department of Agriculture
• Details on Farm Insurance Coverage (Insurance Information Institute (III))
• Farm Facts and Resources (The American Farm Bureau Federation)