Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.
Farm Liability Insurance
Coverage for Visitors, Neighbors, and Operations
From delivery drivers to visitors that come to your farm, accidents can happen.
Farm liability insurance helps cover bodily injury, property damage, and legal defense tied to farm operations-so one incident doesn't threaten years of work. Bowerman Insurance Agency builds limits that reflect real exposure you face on a daily basis.
From Livestock Escapes to Spray Drift
Examples include a guest hurt around equipment, livestock breaking a fence and causing a road accident, or overspray damaging a neighbor's field. If you do custom farming on others' land, we'll confirm that activity is covered or endorsed to match receipts.
Premises, Operations, and Farm Products
Farm liability generally covers injuries and damage arising from your premises and operations. If you hire employees, this exposure will need to be added to your policy. Do you sell products at vendor shows and/or does the public come to your farm to purchase products? These are exposures that need to be added in order for coverage to apply.
Drift, Custom Work, and Limited Pollution
Add chemical drift liability for spraying operations, custom farming coverage above threshold receipts, and limited pollution for small fuel spills. Many farmers can also add an umbrella for higher limits over farm liability and auto exposures.
Farm Umbrella
Farm Umbrella Insurance Coverage provides liability protection coverage over and above the limits on your farm or ranch liability policy. It covers bodily injury and property damage to others as a result of a covered claim that happens on your farm.
Farm Umbrella policies go beyond just property damage, the policy provides higher liability limit amounts and can help protect your farm assets
Straight Answers for Producers
Does farm liability replace my personal liability?
Yes-if your home is on the farm policy, it typically includes personal liability too.
Are employees covered if injured?
No, employees that are hired need to add an endorsement onto the policy for coverage to apply
What about equipment on public roads?
Yes, if the equipment is listed and insured on the policy