Grounded in strong Wisconsin roots since 1934.

No matter what you produce or your size of operation, our Farm Pak policy provides comprehensive coverage for your home and personal items, farm buildings, farm personal property and liability for daily risk exposures.

Farm Pak property and liability coverages:

• Dwelling
• Personal property
• Farm buildings and structures
• Farm personal property
• Automatic coverage for new construction
• Private power and light poles
• Farm operations records
• Employer liability and medical payments
• Milk spoilage
• Silo bags in the open
• Equipment breakdown
• And more

Farm Pak optional coverages:

• Farm machinery replacement cost
• Loss of use and extra expense
• Rental cost for heavy machinery
• Pollution liability
• Ingestion coverage
• Milk contamination
• Peak season
• Accounts receivable
• Employee dishonesty
• Incidental business pursuits
• Livestock suffocation or freezing
• Computer insurance
• Insurance for semen and embryos
• And more

The Agribusiness endorsement is available with a minimum policy premium requirement and provides some additional property and liability coverages.

Property and liability coverages

• Farm employee benefits liability
• Employment practices liability
• Diminishing deductible
• Owner's cargo
• Business income and extra expense
• Business income from dependent properties
• Rental cost for mobile equipment
• Ingestion coverage

Optional coverages:

• Farm owners advantage plus endorsement
• Farm machinery replacement cost
• Farm building blanket coverage
• Increased replacement cost on farm buildings on a per building basis

More than just hail damage, Rural Mutual also covers crop losses caused by fire, lightning, transportation, vandalism and malicious mischief, and damage caused by non-owned vehicles. In addition, if your crops are destroyed early in the growing season, our policy offers financial assistance for replanting expenses—with no reduction in coverage. Our Crop Hail policy also features convenient automatic renewal to provide you with protection, year after year.

Crop hail coverages

• Hail—covers the growing crops specified at the location described in the policy for the direct loss of crop yield due to hail
• Fire or lightning—covers damage by fire unless caused by insured's neglect, when endangered by fire from neighbor's property, or other stated causes in the policy
• Vandalism—covers damage unless caused by an occupant of any location on the policy or the insured's farm or domestic employee
• Damage by non-owned vehicles—covers damage unless caused by an occupant of any location on the policy or the insured's farm or domestic employee
• Tip-overs-covers loss from overturning of any vehicle on which the insured crop is transported (coverage provided to first place of storage, limited to 50 mile radius)
• Replanting allowance—covers portion of replanting cost from hail damage

Crops covered

• Field crops—including, but not limited to alfalfa, barley, broom corn, buckwheat, clover, field corn, flax, grain sorghum, oats, popcorn, soybeans sunflowers and wheat
• Truck crops—including, but not limited to cabbage, canning peas, carrots, cucumbers, floral stocks, green beans, melons, mint, onions, potatoes, pumpkins, squash, sweet corn, tobacco (requires its own policy) and tomatoes
• Fruit crops—including, but not limited to apples, berries, cherries, cranberries and grapes

While the Farm Pak policy provides limited pollution coverage, separate pollution coverage is also available to farmers who carry their property and liability coverage with Rural Mutual. Our pollution policy is unique in that it provides coverage against both bodily injury and property damage.

Pollution liability coverage features

• Bodily injury and property damage for both sudden and gradual pollution incidents resulting in environmental damage
• Contamination of neighbors' private wells due to a leaking fuel tank on your property
• Illness to a neighbor due to contaminated ground water resulting from fertilizers used on your farm
• Damage to a nearby waterway resulting from a manure container spill on your farm
• Damage to a neighbor's crop or property from manure runoff or over-sprayed chemicals

Insurance protection for your crops from unavoidable loss of production due to a wide range of natural causes. Unit coverage is available on insured crops. Available in Wisconsin are:

• Catastrophic
• Buy up
• Crop revenue coverage
• Group risk plan

Think Workers' Compensation insurance doesn't apply to you? Did you know, most insurance policies exclude the "treatment, services and supplies for any injuries and illnesses covered by Workers' Compensation." It's a legal requirement for farmers who employ six or more persons on any 20 consecutive or non-consecutive days during a calendar year. It's also recommended for any farmer who relies on family members and/or hired labor.

For employees

Covers employees who have sustained injuries or illnesses related to employment, including:

• Coverage for all reasonable and necessary medical costs
• Payments for temporary loss of wages
• Payments for permanent loss of earning capacity

For employers

Restricts injured employees or their family members from suing the employer due to injuries sustained at work. Our policy also incorporates employer's liability insurance to cover work-related injuries not covered under Workers' Compensation.

Dividend plans

Depending upon certain conditions, your business may be eligible for flat or variable dividend plans. Eligibility requirements include review of:

• Premium threshold
• Three-year loss ratio
• Exposure severity
• Experience modification factor
• Active safety program participation
• Verification of premium and loss report from prior carrier, if required

Workers' compensation claim service

Our claims adjusters are highly experienced in managing the claims process, keeping you well-informed throughout the process. Typically, they save you about 26 percent in medical costs by carefully:

• Investigating claims for coverage
• Determining compensability
• Effectively managing the disability and medical treatment

Your business can recruit and keep quality employees with a competitive benefit plan. Group health and disability is available for most businesses—from small groups to larger corporations. Ask your agent for more information.

Keep the business running if you become disabled. A monthly check helps pay your business overhead expenses during this uncertain time.

Protecting people on the job and protecting property is in everyone's best interest; our economy, our community, our fellow workers, and our families. Safety and loss prevention adds value to businesses and our lives.

Rural Mutual will conduct loss control visits to help your operation run in the safest manner possible.