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Designed to Meet the Special Needs of Farmers

Summary: AAIS developed its farm umbrella program in response to the growing liability exposures that face today’s farmowners. These increased exposures result from many different factors.

The first is the consolidation of farms into fewer, larger, more capital-intensive operations. As a result of this consolidation, farmowners’ liabilities and the assets they need to protect have grown to large dollar amounts. Often these amounts are more than the coverage offered by standard farmowners, auto, and other liability policies. Another reason is that farming can be a dangerous occupation, as farm liability claims tend to involve serious, often disfiguring injuries.

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