While you may have adequate general and commercial insurance for your farm, it might not be enough in the event of an excessive loss. Sometimes lawsuits may result in settlements that exceed your coverage allowances. Without farm excess liability insurance, you may be responsible for paying the difference.

Excess liability insurance is also known as umbrella liability. This insurance coverage helps provide an additional layer of protection to your existing policies such as farm general liability and farm automobile insurance.

Though no one ever expects to be sued, it can certainly happen. Consider this: If your farm’s general liability policy offers coverage of $1 million, but you have a claim settled for $1.5 million, where will the difference come from? If you have a farm excess liability insurance policy, you can gain peace of mind knowing your coverage would pay the difference.

Obtaining farm excess liability coverage is often the most economical method to increase your policy limits on your other farm insurance policies. Unsure if you need additional coverage? Contact one of the experienced insurance professionals at Smart Insurance. We.ll help answer your questions and get you additional information to make the best decision for your farm.

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