We understand that a standard one-size fits all policy simply doesn’t fit. Your operation is unique, and your insurance coverage should  address this fact. Depending on the coverage desired, you may customize your policy by choosing among five divisions and a variety of options within those divisions.  Similar perils (causes of loss) are combined into groups, to achieve the combination of coverages that are right for you.

PROTECTION YOU NEED

Special Farm Package’s goes beyond traditional farm or ranch coverage, providing a flexible farm package.  It allows you to customize a program more precisely, to match your individual needs.  Depending on the coverages desired, you can customize a program by choosing among five divisions, and a variety of options within those divisions.

Protecting You

Protecting You Because the most important part of your business is you, West Financial also offers insurance to protect your family and assets:

  • Disability Income
  • Life Insurance
  • Retirement Funding

Liability

Liability Covers: Medical expenses; First aid; Cost of defense; Bodily injury and property damage liability; Farm chemical transportation coverage; Fire legal liability; and more. Options Available: Harvest-your-own; Personal injury; Limited custom farming; Farm employee coverage; Livestock boarding; Named insured medical expenses; Watercraft; Care, custody and control of livestock; Home day care coverage; and more.

Scheduled Personal Property

Scheduled Personal Property Covers: All-risk coverage for valuables that you choose to insure. *subject to exclusions. Options Available: Jewelry; Furs; Coins; Stamps; Fine arts; Silverware; Musical instruments; Cameras; Golf equipment; Bicycles; Signs; Guns; All-terrain vehicles; Watercraft; Snowmobiles.

Farm Personal Property

Farm Personal Property Covers: Livestock; Farm machinery; Farm products, supplies and tools; Borrowed farm machinery; Limited pollutant clean-up and removal; Property in the custody of common or contract carrier; and more. Options Available: Farm machinery used for hire; Rental reimbursement; Property Average Coverage; Excess property away from premises; Special silo unloader coverage; Borrowed or rented farm machinery; Periodic increase in limits; Suffocation of livestock; and more.

Buildings and Building Contents

Buildings and Building Contents Covers: Barns; Silos; Sheds; Potato houses; Poultry houses; Greenhouses; Poultry; Controlled atmosphere storage; Permanent equipment in building; Refrigerated products; and more. Options Available: Replacement cost on buildings and contents; Consequential loss; Tenant improvements and betterments; Operations records; Extra expense; Builders risk; Suffocation or smothering of poultry; Growing crops in greenhouses; Increased loss to refrigerated products; Ordinance or law; Farming income loss; Dairy income loss; and more.

Household Contents

Residences and Household Contents Covers: Dwellings; Mobile homes; Household contents; Loss of use; Debris removal; Trees, shrubs, plants, lawns; Refrigerated products; Outdoor radio, satellite and TV equipment; Motorized vehicles; Computer hardware and software; Credit card theft; Increased cost of ordinance or law; Fences; Fire department service; and more. Options Available: Replacement cost on residence and contents; Inflation guard; Builders risk; Excess business property contents; Earthquake; Water Damage – Backup of sewers, drains and sumps; and more.