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John Kampakis
Risk Consultant

What Is Agribusiness Insurance?

Agribusiness insurance is aspecialized policy package designed to protect the unique risks that come withrunning a farm or agricultural operation. Whether you grow crops, raiselivestock, run a dairy farm, or manage a large commercial enterprise,agribusiness insurance can be tailored to safeguard every part of youroperation.

Here’s What a ComprehensiveAgribusiness Policy Can Cover:

  • Crop Insurance:     Your crops are your livelihood, and one storm, drought, or infestation can     threaten your entire season. Crop insurance can protect against losses due     to weather events, pests, disease, and even price fluctuations in the     commodity markets.
  • Livestock Coverage:     Whether you raise cattle, poultry, sheep, or hogs, your animals are     assets. Coverage can protect against accidental death, disease outbreaks,     or even attacks from predators. Some policies can also cover the cost of     lost income due to reduced production.
  • Farm Equipment and Machinery: Tractors, harvesters, irrigation systems, and other     specialized machinery are vital to your operation. Agribusiness insurance     can help with repair or replacement costs due to accidents, breakdowns,     fire, or theft.
  • Farm Structures and Property: This includes barns, silos, storage facilities,     fencing, and even greenhouses. If a windstorm tears through your property     or a fire damages a key building, coverage ensures you're not left with     the financial burden alone.
  • Farm Liability:     Protects you if someone is injured on your property, or if your operations     cause damage to another’s property. This is especially important for farms     that allow visitors or sell directly to consumers through roadside stands     or farmers’ markets.
  • Business Interruption:     If a disaster forces you to pause operations, this coverage helps replace     lost income so you can stay financially stable during recovery.

Modern Farming = Modern Risks

Today’s agricultural operations areoften more than just traditional farms. Many include on-site processing,agritourism events, direct-to-consumer sales, or even e-commerce. These addedlayers require customized protection to account for cyber risks, employmentpractices, and expanded liability.

At Kampakis Insurance Services, wework with farmers and ag professionals to build insurance plans that reflecttheir real-world operations—not just what’s on paper. Because protecting yourfarm means protecting your future.

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