Take care of your farm and home with a comprehensive policy to cover everything from Dwelling and Personal Property to Liability.
There are probably a lot of reasons for why you chose to make your living on the farm – from the independence and freedom that comes with owning your own business to knowing the value of a hard day’s work. At Ruth Mercier Insurance, we are in the business of seeing yours succeed. We know that your farm or ranch provides a valuable service to the community, and we would like to return the favor by offering you the comprehensive protection you deserve.
A Farm Owners policy from Ruth Mercier Insurance is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage.
For most people, a farm is more than a place to work – it is also where you lay your head after a long day. Under the dwelling portion of your Farm Owners policy, Ruth Mercier Insurance will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.
Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.
Liability protection from Ruth Mercier Insurance helps pay for legal fees, medical expenses, and other losses that you may be held liable for, that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.
Alleviate yourself from the financial burden of having to replace expensive farm equipment out of your own pocket.
As a farmer, you rely on your equipment to run like clockwork. But in the event of equipment breakdown or failure, it can be difficult and expensive to repair. Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself.
At Ruth Mercier Insurance, we are dedicated to the success of your farm or ranch, and we understand that equipment breakdown can mean lost income. That is why we design comprehensive insurance policies to keep farms running smoothly in the event of an accident. Equipment breakdown coverage goes beyond your standard Property Insurance policy to protect against damage caused by power surges, mechanical breakdown, motor burnout, and even operator error.
Equipment and machinery included under a Farm Equipment Insurance policy includes, but is not limited to:
Contact Ruth Mercier Insurance today to find out how a Farm Equipment Insurance policy can keep the productivity of your farm moving.
Safeguard your farm residence and rental properties against damage expenses with Dwelling Insurance coverage.
Operating a farm or ranch is a unique business in many ways. One big difference from most other jobs is that many farmers do not just work on their property – they live there too. And having the right protection depends on the situation of each individual family.
While not as comprehensive as a complete Farm Owners policy, some people may find that Farm Dwelling coverage is enough to meet their needs. Dwelling Insurance from Ruth Mercier Insurance protects the building you live in and any attached structures, including rental properties, by helping to pay for damages that result from a covered incident. Depending on your specific policy options, it can also include additional coverage for personal property or provide additional living expenses if your home becomes uninhabitable due to a covered loss.
Other insurance provisions such as Liability or Medical Payments coverage are not included in a Farm Dwelling policy, so if you are looking for a more complete solution for all your Farm Insurance needs, a comprehensive Farm Owners policy may be the right choice for you. Talk to a specialist at Ruth Mercier Insurance to learn more about how our insurance solutions can best benefit your agribusiness.
Protect yourself against potential loss to the buildings and property that make up the foundation of your agribusiness.
As the owner of a successful agribusiness, your farm or ranch contains some of your biggest physical assets. Barns, machine sheds, and granaries are essential elements that keep your farming operations running smoothly. But, in the event of a disaster, the loss of important property can disrupt business and be financially devastating.
Protecting your buildings and your livelihood is easy with a Farm Structures policy from Ruth Mercier Insurance. This coverage helps pay for the accidental loss of property used for farming purposes due to a variety of perils such as fires and some natural disasters. At Ruth Mercier Insurance, we strive to meet all of your insurance needs around the farm. In addition to securing your important farm structures, we also offer impressive solutions to protect the expensive machinery and equipment vital to your day-to-day operations. Talk with one of our professional insurance specialists to learn more about our farm insurance options and how we can tailor the perfect package for you and your business.
From your personal truck to your animal trailer, keep the vehicles you rely on secure with a proper Farm Auto policy.
Whether you’re hauling grain or transporting livestock, the vehicles you use around the farm are a vital part of your day-to-day operations, and you cannot afford for them not to be working properly. With a Farm Auto Insurance policy from Ruth Mercier Insurance, you can protect everything from your personal truck or car to the trailer you use to deliver and transport your valuable goods.
Even if you take good care of your farm equipment, some situations are simply out of your control such as road conditions, bad weather, and other drivers. And in the event that something should happen, that is where your Farm Auto Insurance comes in. At Ruth Mercier Insurance, we will help you create a policy to fit your unique insurance needs.
Whether you rent or own your farm vehicles, you can still get the same great coverage with benefits that can include:
At Ruth Mercier Insurance,we believe that your Farm Auto Insurance policy should work for you. Contact one of our local insurance specialists to learn more about what we can do for the security of your agribusiness.
Arm yourself against financial loss resulting from claims of property damage or bodily injury to others on your farm or ranch.
A great amount of responsibility goes into running a farm or ranch. From the operation of farm machinery and equipment to the sometimes unpredictable nature of barnyard animals, farmers are subject to a much higher risk of liability than other property owners. Ruth Mercier Insurance understands this risk, and is proud to offer complete liability protection for you and your agribusiness.
Under a standard Farm Liability Insurance policy, Ruth Mercier Insurance will help cover the expenses in which you become legally obligated to pay for bodily injury claims on your property and damages to another person’s property as a result of a covered accident.
Some common liability expenses covered under your policy include:
Ruth Mercier Insurance is committed to serving you. That is why we strive to offer insurance solutions to meet the individual needs of you and your business. There are a number of factors that may influence the type of coverage you’ll need, such as the size and type of your farm. Our farm insurance professionals will help you design the right policy to ensure that all of your special interests are protected.
With the right farm umbrella coverage options, your business won’t have to miss a beat.
Ruth Mercier Insurance provides umbrella insurance policies to farms, ranches, and agribusiness operations facilities in Lincoln, Grand Island, York, Omaha, Fremont, Beatrice, and surrounding areas.
Ruth Mercier Insurance knows that your farm is your business. And like any business owner, you are faced with a certain amount of risk and uncertainty in your day-to-day operations. If an accident happens, in most cases, your standard farm owners insurance liability should take care of you. But when serious situations arise, you will want to make sure your business is protected.
Chances are your basic policy liability limits are not enough to cover every potential accident – including serious accidents that come with serious expenses. A Farm Umbrella policy from Ruth Mercier Insurance picks up where your other liability coverage stops. It can be an affordable way to provide an extra layer of protection against claims of bodily injury and property damage in scenarios such as:
At Ruth Mercier Insurance, our team of farm insurance specialists is dedicated to keeping your farm up and running, even after an accident. With the right farm umbrella coverage options, your business will not have to miss a beat. And, as always, with our 24/7 dedicated claims service, you can rest assured that our professionals will be there for you when you need it most.