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Protecting Your Farm and Your Future

By and large, farming is a family endeavor, rich in tradition. And while the way you operate your business can change from one generation to the next, some things remain constant. From the largest growers to the smallest family farms, you shouldn’t have to worry about whether you have the correct insurance coverage to fit your ever-changing needs.

Special Farm Package

Dempsey, Weiss & Associates offer a unique Farm Package that goes beyond traditional farm or ranch coverage. We do this by providing a flexible farm package that combines personal, farm, business, property and liability coverage all under one policy, allowing you to customize the coverage to match your individual needs.

What Is in a Special Farm Package?

Depending on the coverages desired, you can customize a program by choosing among five divisions. The Farm Package we offer combines similar perils (causes of loss, such as windstorm, fire, theft, etc.) into groups, to achieve the combination of coverages that are right for you. Choose among five divisions, a number of risk perils, and a variety of options within those divisions, to create a combination of coverages right for you.

Residences and Household Contents Covers: Dwellings; Mobile homes; Household contents; Loss of use; Debris removal; Trees, shrubs, plants, lawns; Refrigerated products; Outdoor radio, satellite and TV equipment; Motorized vehicles; Computer hardware and software; Credit card theft; Increased cost of ordinance or law; Fences; Fire department service; and more. Options Available: Replacement cost on residence and contents; Inflation guard; Builders risk; Excess business property contents; Earthquake; Water Damage – Backup of sewers, drains and sumps; and more.

Buildings and Building Contents Covers: Barns; Silos; Sheds; Potato houses; Poultry houses; Greenhouses; Poultry; Controlled atmosphere storage; Permanent equipment in building; Refrigerated products; and more. Options Available: Replacement cost on buildings and contents; Consequential loss; Tenant improvements and betterments; Operations records; Extra expense; Builders risk; Suffocation or smothering of poultry; Growing crops in greenhouses; Increased loss to refrigerated products; Ordinance or law; Farming income loss; Dairy income loss; and more.

Farm Personal Property Covers: Livestock; Farm machinery; Farm products, supplies and tools; Borrowed farm machinery; Limited pollutant clean-up and removal; Property in the custody of common or contract carrier; and more. Options Available: Farm machinery used for hire; Rental reimbursement; Property Average Coverage; Excess property away from premises; Special silo unloader coverage; Borrowed or rented farm machinery; Periodic increase in limits; Suffocation of livestock; and more.

Scheduled Personal Property Covers: All-risk coverage for valuables that you choose to insure. *subject to exclusions. Options Available: Jewelry; Furs; Coins; Stamps; Fine arts; Silverware; Musical instruments; Cameras; Golf equipment; Bicycles; Signs; Guns; All-terrain vehicles; Watercraft; Snowmobiles.

Liability Covers: Medical expenses; First aid; Cost of defense; Bodily injury and property damage liability; Farm chemical transportation coverage; Fire legal liability; and more. Options Available: Harvest-your-own; Personal injury; Limited custom farming; Farm employee coverage; Livestock boarding; Named insured medical expenses; Watercraft; Care, custody and control of livestock; Home day care coverage; and more.

Protecting You Because the most important part of your business is you, Dempsey Weiss also offers insurance to protect your family and assets:

New Jersey

New Jersey Department of Agriculture

Farmers and Producers – An extensive list of resources for farmers in NJ

Garden State Crop Insurance Initiative – Have questions about crop insurance? This resource can help answer all of your questions.

Jersey Grown Application – Apply for New Jersey’s brand for locally grown plants, trees, shrubs and flowers, which certifies the item was grown in New Jersey so it is accustomed to the state’s soil and growing conditions, checked for quality and is disease and pest-free.

New Jersey Agricultural Society – By becoming a member you gain access to resources, networking while helping to preserve and enhance agriculture in the Garden State

New Jersey Farm Link Program – This program acts as a resource and referral center for farmers and landowners.

 

Pennsylvania

Pennsylvania Department of Agriculture

Farmland Preservation

The Agricultural Law Resource and Reference Center – Keep up to date with agricultural law and see how your farm can benefit from the resources available.

USDA Market NewsEach year, Market News issues thousands of reports, providing the industry with key wholesale, retail and shipping data.

Pennsylvania Farmer’s UnionPennsylvania Farmers Union (PAFU), a membership organization, is committed to enhancing  the quality of life of family farmers.

PA Farm LinkPennsylvania Farm Link, a 501c3 non-profit, is dedicated to the mission of creating farming opportunities for the next generation; with the goal of ensuring farmlands such as these stay in farming.

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Gerry Bifulco, Bifulco Farms

“I originally became a client of Dempsey-Weiss because their rates were so competitive. I’ve stayed a client for over 20 years because of the relationship they’ve created with my business and my family.”

Gerry Bifulco, Bifulco Farms