Your computer system is part of nearly everything you do on your farm. This coverage applies to specific types of damage and has a $20,000 limit.
Sentence description: The limit on gross annual receipts allowed as incidental business coverage is increased to $10,000. Higher limits are available.
Farm Business Income and Extra Expense
Sentence description: This coverage, available as part of your standard Farmowners coverage, is available at a $50,000 limit. Higher limits are available.
Glass Breakage — Waiver of Deductible
Sentence description: If glass used in a milking parlor breaks, the deductible will not need to be paid.
If a refrigerated unit fails, we’ll cover the cost of your milk that was stored inside, as long as it’s on your premises. It has a limit of $20,000.
If your business has a sign outdoors that isn’t attached to your building, we’ll cover up to $5,000 to repair or replace it if it suffers certain kinds of harm.
Owned Milk Contamination
With this optional coverage, we’ll pay the current sale value of a farm’s owned milk if unintentional contamination occurs, and the milk isn’t acceptable to a buyer.
Reproductive Material Coverage
We insure cattle semen and embryos against most types of loss, with a limit of $5,000 in one occurrence, and $100 per straw.
Sudden and Accidental Pollution
Sentence description: We’ll cover up to $50,000 for an accidental discharge on someone else’s property. Higher limits are also available.
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.
Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)