I am operating a non-farm related business from my farm. Does my farmowners policy automatically cover these activities?
The farmowners policy liability coverage is designed to cover the business of farming. Business activities you may perform from your farm/ranch that are not the business of farming are not covered. There are many types of business activities ranging from operating a roadside vegetable stand to selling seed that you might think are included within the business of farming. (For example, custom farming or custom harvesting are not normally considered the business of farming but rather a separate business operation.) It is best to clarify what activities your insurance company will include in that definition and what activities it does not consider to fall within the scope of the business of farming. Many companies are willing to add business liability coverage by endorsement to the policy for an additional fee for some lower risk types of incidental business operations. If you are operating an incidental or second business from your farm/ranch, it is important for you to discuss what you
