Asking the Right Poultry Farm Insurance Questions

Poultry Farm InsuranceFarming is a volatile industry full of risks that many other businesses do not face. Farmers often don’t have a say in setting the prices for their products or what they must pay to support their businesses. However, one thing you can do is look at how much you pay for insurance to ensure you have the right coverage at the right price. To understand your poultry farm insurance coverage better, ask these questions when you meet with your agent.

What Questions Should You Ask?

At Hawsey Insurance, we’re happy to help you evaluate your current policy and look for opportunities for improvement. Schedule a meeting with one of our commercial insurance agents today to discuss your concerns and ensure your current policy comprehensively covers your poultry farm.

Below, find some of the major risks faced by the industry and questions that can guide your conversation with your current insurance carrier or with one of our dedicated agents.

Weather-Related Damage

Ice and snow can cause structural damage to your buildings. Does your current policy fully cover these events? If a severe tornado or windstorm causes catastrophic damages to a farm structure, are you covered for it? Do you live in a flood zone? If so, we can help you understand how to get flood insurance to protect your farm.

Loss of Income

There are a lot of issues that can impact the profitability of your bird business. Whether you raise chickens, ducks, geese, or turkeys, it’s important to understand all the factors that can influence your bottom line.

  • Will your current insurance cover you for loss of income due to an illness that kills your stock?
  • Are you insured against a drop in market prices or unforeseen circumstances?
  • How can the right agent help you fill in the gaps without busting your budget for poultry farm insurance?

Request a quote to add this coverage.

Replacement Coverage

Let us help you determine if you have enough insurance to cover the loss of critical equipment and structures. Ask about the circumstances in which your insurance will kick in. This will help you fully understand your coverage and inprove any areas that leave you vulnerable. Here are a few questions to get the conversation started:

  • Will your policy cover malfunctioning equipment?
  • What protection do you have against fire damage?
  • Does your policy include weather damage protection?

Workers Compensation and Liability Insurance for Poultry Farms

Your experienced agent at Hawsey Insurance can explain the requirements for workers compensation in your state. What are your rights and responsibilities under the law? It’s also important to know what coverage you need for employee liability insurance. We can help you understand the workers compensation laws within our service areas.

General liability covers personal injury and property damage. But what about lawsuits involving animal cruelty or pollution claims filed by a third party? How can you protect yourself against the negligence of a farm employee?

Call Hawsey Insurance at (601) 856-7707 to discuss your poultry farm insurance. Feel free to contact us online with your questions or make an appointment at one of our offices in Madison, Jackson, and Southaven, MS.