Agribusiness insurance is a unique product that is designed to offer a single insurance solution for farmers and ranchers who also live on the land that they work. Multiple types of coverage available can be combined in various ways to get the ideal protection.
Monte Johnson Insurance proudly has 3 certified AFIS agents
"Agribusiness and Farm Insurance Specialist (AFIS®) — an insurance certification program that consists of a series of courses focusing on the risk management and insurance needs of agribusinesses and farms. Those persons who complete the program are entitled to display the AFIS certification to demonstrate their knowledge of agribusiness and farm insurance and risk management as well as their dedication to the agribusiness industry. AFIS courses are approved for insurance agent or broker continuing education (CE) credit in most states. The AFIS program is administered by International Risk Management Institute, Inc., and delivered online at AFIS."
From - IRMI
Available coverage types include things like:
• Farm Home and Contents Coverage
• Farm Personal Property
• Farm Business Property
• Structures and Other Buildings
• Personal and Commercial Liability Coverage
You can get insurance coverage for everything on your property in a single place. It's often the best way to go for farmers and ranchers. Oregon has specific laws regarding how much coverage can be offered and what types of things can be covered, so be sure to familiarize yourself with that, as well.
What's the Difference Between Agribusiness and Crop Insurance?
Crop insurance is designed specifically to protect crops. Agribusiness insurance covers everything but the crops. A farm that has crops or commodities that need protection will have to purchase both types of policies.
Choosing Your Coverage
The available agribusiness policies will cover all aspects of your property and your personal belongings, including your home, your furnishings, personal belongings, and even your outbuildings and other structures. You can add your farm equipment, livestock, farm tools, and other operational items to the policy for added coverage if you desire. There is also liability coverage available for personal injury, property damage, and medical expenses, which is advisable to purchase for anyone who has non-residents coming onto the property regularly. Like most insurance policies, these plans can be customized to fit your specific needs. You can choose the exact type of coverage that you want and how much protection you want to have. You'll also be able to compare premiums, deductibles, and other elements to create the ideal solution for your farm or ranch, no matter its size or purpose.
Specialty vs. Standard Insurance Providers
Some companies have multiple lines of insurance, including Agribusiness coverage. Others specialize in farm and agribusiness insurance. The truth is that as long as you find a policy that covers what you need, and it comes from a company that will be there when you need them, the rest is a matter of personal preference. The best way to buy this coverage is to compare your options, regardless of the provider, and find the best policy. Then, you can look at the providers and narrow your options from there.
Ask an Agent
With the complex nature of agribusiness coverage, it’s sometimes better to let the professionals do the hard work. Take the time to talk to an insurance agent about your farm or ranch and what insurance
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Local agents serving Southern Oregon. We're committed to protecting our communities.
We've been serving Klamath Falls, Oregon and Tulelake California since the Mid-80's.
Monte Johnson Insurance was established in Tulelake in the Mid-80's.