The MSO Commercial Farm program is designed to provide coverage on a monoline or
combination basis for commercial farm exposures. Commercial property and
liability coverages are available for farm type structures and premises.
Program Highlights
Flexibility
Dwelling and structures other than dwellings may be insured. Household personal property and farm
personal property may be scheduled or unscheduled. There is an option to cover borrowed
agricultural equipment.
The main form includes provisions for farm mobile equipment and livestock. Separate inland marine
type coverage is also available for these exposures.
Coverage Options
Accidental Shooting
Loading/Unloading Accidents
Animal Attack
Chemical Drift Liability
Drowning
Liability for Injury to Employees
Electrocution
Dwelling and farm structures may be insured on a replacement cost basis. Weight of ice, sleet
and snow may be added to the broad form perils set.
Marketing Advantages
Easy to Use
Liability rates are "per worker." This eliminates costly audits, and trying to track down
payroll receipts information. Property rates are presented in a BOP type format. The manual
may be printed "pocket size."
Ability to Customize
Eligibility criteria and Supplemental Declarations coverages may be tailored to comply with your
underwriting guidelines. The manual may also be customized (with your Company logo, colors, etc.)
to make it unique.
