765.395.7761

Farms And Incidental Business


Other than agribusiness ventures, farms are unusual because smaller operations tend to face a mixed bag of loss exposures. Some exposures are common to businesses while others are exposures that are often faced by homeowners. This hybrid combination of exposures is due to the fact that smaller farms are usually run by families that also live on the farm premises. However, often only some of the family members are devoted full-time to their own farm’s operation.

As has always been the case, securing significant, steady income and profits from farming is very difficult. Therefore, the farm family may choose to supplement its main farm activity by operating other projects on their premises. Some may be related to their farming such as:

  • ·         Running a petting zoo area with some of the farm’s livestock
  • ·         Offering horse rides
  • ·         Operating a gift shop or produce stand
  • ·         Performing canning operations for other parties’ produce
  • ·         Operating a repair shop for small farm equipment

A farm may also involve other, non-farm projects, such as:

  • ·         Operating a daycare service
  • ·         Fee-assisted aid to other farmers on applying for grants and loans
  • ·         Operating a small accounting service
  • ·         Hosting a subscription newsletter service
  • ·         Operating a pottery studio in a converted farm barn

In most instances, the farm owner may be able to arrange for additional coverage to be added to the farm policy in order to handle losses connected to the given business operation. Typically, a precise description of the business such as: “Johnson Family Produce Cleaning and Canning Operation” is necessary. For an additional charge to the policy, the farm owner can be protected against loss to property that is used in the described business, such as a fire in a separate, converted barn that houses an accounting service run by the farmer’s spouse. It may also offer liability coverage. Consider the following:

Example: Sara “Granny” Smith owns a large apple orchard. She used to make cider and fruit juice manufacturing company. Since she still owns the building and equipment she used to make her own product, Sara begins a small operation (called “Granny’s Pressings”) to process the apples grown by several neighboring apple farmers. This "side juice from her own crop but she now has an agreement to sell all her apples to the region’s largest business" brings in about $7,000 a year, compared to the nearly $76,000 she takes in from selling her apple crop to the juice manufacturer. Sara’s cousin and insurance agent tells her that she won’t be covered for any damages resulting from “Granny’s Pressings” unless she adds additional coverage for this side-business. He convinces Sara by pointing out claim situations such as:

  • A neighbor who slips on apple remnants while carrying a bushel of apples onto Sara's property to be pressed into cider;
  • A child from a nearby town who becomes ill after drinking cider pressed at Granny's that was contaminated with oil used to lubricate the manufacturing machinery;
  • Sara packages a truckload of cider for a neighbor but the neighbor is unable to sell it to any stores because the inferior plastic bottles developed hairline cracks.

If you happen to run a farm that also contains other business activities, it’s important that you discuss the situation with your agent and find the best option for covering the additional source of loss.


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Amboy - Main Office

111 S. Main St.

P.O. Box 157 Amboy, IN 46911

Main office: 765-395-7761
Toll free: 877-395-6200
Fax: 765-395-7763

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Bunker Hill Office

132 East Broadway

P.O. Box 356 Bunker Hill, IN 46914

Main office: 765-689-8432
Toll free: 800-688-8432
Fax: 765-689-0725

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Converse Office

105 South Jefferson Street

P.O. Box 620 Converse, IN 46919

Main office: 765-395-7811
Fax: 765-395-6216

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Fairmount Office

210 South Main Street

P.O. Box 67 Fairmount, IN 46928

Main office: 765-948-4129
Fax: 765-948-4120

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Flora Office

15 East Columbia Street

Flora, IN 46929

Main office: 574-967-3110
Toll free: 800-242-0466
Fax: 574-967-3569

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Greentown Office

109 North Meridian Street

Greentown, IN 46936

Main office: 765-628-7572
Fax: 765-507-9144

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Hartford City Office

209 West Washington Street

Hartford City, IN 47348

Main office: 765-348-1448
Fax: 765-348-1512

Office Hours:

Mon: 1:00 PM - 5:00 PM
Tues: 1:00 PM - 5:00 PM
Wed: 1:00 PM - 5:00 PM
Thurs: 1:00 PM - 5:00 PM
Fri: 1:00 PM - 5:00 PM
Sat: By Appointment
Sun: Closed

Kokomo Office

3833 South LaFountain Street

P.O. Box 6339 Kokomo, IN 46904

Main office: 765-455-2700
Fax: 765-453-5635

Office Hours:

Mon: 9:00 AM - 4:30 PM
Tues: 9:00 AM - 4:30 PM
Wed: 9:00 AM - 4:30 PM
Thurs: 9:00 AM - 4:30 PM
Fri: 9:00 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Lafayette Office

3904 Regal Valley Dr

Lafayette, IN 47909

Main office: 765-838-8244
Toll free: 877-395-6200
Fax: 765-838-8244

Office Hours:

Mon: By Appointment
Tues: By Appointment
Wed: By Appointment
Thurs: By Appointment
Fri: By Appointment
Sat: By Appointment
Sun: By Appointment

Marion Office

153 East 3rd Street

Marion, IN 46952

Main office: 765-662-2010
Toll free: 800-688-3548
Fax: 765-662-2072

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Peru Office

26 West Main Street

Peru, IN 46970

Main office: 765-473-4519
Fax: 765-473-4510

Office Hours:

Mon: 9:00 AM - 4:30 PM
Tues: 9:00 AM - 4:30 PM
Wed: 9:00 AM - 4:30 PM
Thurs: 9:00 AM - 4:30 PM
Fri: 9:00 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Somerset Office

1 Main Street

P.O. Box 176 Somerset, IN 46984

Main office: 765-981-4944
Fax: 765-981-4116

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Swayzee Office

106 South Washington Street

P.O. Box 130 Swayzee, IN 46986

Main office: 765-922-4449
Fax: 765-922-4449

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Upland Office

50 East Berry Avenue

P.O. Box 537 Upland, IN 46989

Main office: 765-998-6053
Fax: 765-998-7083

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Walton Office

112 North Depot Street

Walton, IN 46994

Main office: 574-626-2621
Fax: 574-626-2609

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

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