Farm Insurance 101: Pollution

Farming is inherently tied to the environment, and as stewards of the land, it’s our responsibility to mitigate the risks associated with it.  When considering the environmental impact of your farm operation, it’s important to note what is and isn’t included in your Farmowners and/or Commercial General Liability Insurance policies.

Examples of a few different possible coverage limitations and/or exclusions are:

• Clean up of contamination
• Testing for contamination
• Pollutant claims or suits brought by a government authority
• Aerial application
• Spray drift
• Discharge of agricultural chemicals

Environmental and Pollution Insurance provides a safety net, covering damages caused by pollution events, regulatory fines, and other environmental liabilities. By electing this insurance, you’re not only protecting your farm but also contributing to sustainable and responsible agriculture. Environmental and Pollution Insurance policies may offer the ability to cover:

• Pollution damage onsite
• Pollution damage offsite
• 3^rd Party bodily injury and property damage
• Storage tanks
• Transit pollution
• Non-owned disposal sites

In the ever-evolving landscape of agriculture, preparing for the unexpected is key to sustaining your farm. Electing Environmental and Pollution Insurance is a proactive step towards securing your livelihood, protecting the environment, and promoting sustainable farming practices. Make informed decisions and invest in the protection that will keep your agricultural legacy flourishing for generations to come.

To learn more about the insurance products available for farm risk management, reach out to Chelsea Heatherington at Kingsgate Insurance.

Chelsea Heatherington, Farm & Ag Specialist

Call or Text: 515-302-8400

Email: chelsea@kingsgateins.com