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[Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy
- From: KAKerby AT aol.com
- To: market-farming AT lists.ibiblio.org
- Subject: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy
- Date: Wed, 16 Mar 2011 22:04:29 -0400 (EDT)
Our property started off as a rural house, no farming activity when we
bought it 11 years ago, so at that time we got a residential insurance
policy. Fast forward to today, and we have more than enough farming
activities here to warrant switching that coverage from a residential policy to
a farm policy. The last few weeks I've finally started making some calls
to get that done, only to hit several major brick walls. First, we already
sell eggs at market and via our micro-CSA, but the two companies we've contacted
for insurance (Country Financial through Farm Bureau and Whitfield Insurance)
are denying coverage specifically because of those eggs. We also
already sell meat animals to zoological institutions, and had planned to do
pastured poultry under what's called the 1,000 bird exemption for WA state,
which allows on-farm processing per year after a once/yearly inspection.
That coverage was also denied because of the risks that go with selling
meat. We are not yet licensed for dairy, but both insurance agents said
that wouldn't be covered either, if/when we got licensed. And these two
insurance agents are apparently the only games in town, so to speak. The
Country Financial rep has refused to return my phone calls. The Whitfield
folks have been great to work with, and have said we can still get farm
coverage, but without covering those three particular items.
For those of you with farm policies, have you run into those walls?
If so, did you get around them or do you just go without coverage for those
specific activities? Anyone who has any suggestions for how to get
coverage, or how to live without it (and sleep at night), I'd love to talk to
you either on-list or off-list. Thanks all!
Kathryn Kerby
frogchorusfarm.com
Snohomish, WA
Ruminations - essays on the farming life at
frogchorusfarm.com/weblog.html |
-
[Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy,
KAKerby, 03/16/2011
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Re: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy,
E C GRANATA, 03/16/2011
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Re: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy,
Richard Stewart, 03/17/2011
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Re: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy,
Brigette Leach, 03/17/2011
- Re: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy, michelleann7, 03/17/2011
-
Re: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy,
Brigette Leach, 03/17/2011
-
Re: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy,
Richard Stewart, 03/17/2011
-
Re: [Market-farming] Sorta OT - getting farm insurance for eggs, meat, dairy,
E C GRANATA, 03/16/2011
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