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  • Ellerhorst Russell Insurance

Top Farm Insurance Coverage For North East Ohio

We know that farming is more than a business ... it’s a way of life.

Trust us to protect your farm, because we know farm insurance and have you covered.

Our local expert agents will work with you to tailor a custom farm policy and make sure you have the right coverage!


At Ellerhorst Russell Insurance, We offer the hand build plan to fit your specific needs. We would like to present an awesome article from one of our providers to help give you some additional insight into some of the offerings we can supply for Farm Insurance.


Farm-owners Insurance Information


Wayne Insurance Group’s expertise in the specialized needs of farms and farm owners extends back more than 100 years. Our companies were founded as mutual protective associations by groups of farmers who banded together to protect each other should a loss occur. Today, our farm specialists help farm owners select the best coverages to meet their specific needs.

Farmowners Programs - Farming Insurance Wayne Insurance Group's Farmowners programs provide property and liability coverage for:

  • Owner-occupants of an operating farm

  • Tenants who occupy the farm residence and are engaged in farming

  • Those not engaged in full-time farming but having farm-type structures and minimal livestock and equipment

  • Those who lease their land to other farmers

A wide range of coverage options are available, including a Commercial Auto Program to cover all types of farm trucks, such as tractor-trailers used for hauling crops. Consult your Wayne Insurance Group agent to find out how a farm program can be structured to suit your individual needs.

Property coverage for farms Covers damage to your dwelling, household property, outbuildings, farm personal property (grain and hay, farm products, poultry, livestock and machinery) and other farm structures (silos, fences, corrals, pens, chutes, feed racks, building materials).

Liability protection for your farm Covers bodily injury and property damage to others. Specific coverages include:

  • Personal liability

  • Medical payments to others

  • Personal and advertising injury


Optional coverages: PROPERTY Wayne Insurance Group offers a broad range of property coverage options to protect your farm. Examples include:

  • Backup of sewers and drains

  • Equipment breakdown >

  • Service lines >

  • Personal property such as tools and antiques

  • Farm machinery glass

  • Farm extra expense

  • Livestock coverage

  • Livestock/poultry power interruption

  • Spoilage coverage

LIABILITY

Optional liability coverages include additional insureds; resident of the insured’s household; executor, administrator, trustees or beneficiaries; additional premises; insured’s liability while employed by others in non-farm jobs; custom farming; pollution liability; lead liability; and incidental horse boarding for non-owned horses.

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