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Nancy Niche  |  Green Gage Farm  |  Novato, CA

Subject: Farm B&B Insurance Conundrum

I run a 2-acre permaculture farm in North Marin County that is also a B&B that I rent through Airbnb. I have been through 13 brokers trying to get insured. They eventually say in some form or another that there just isn’t a policy that will do what I need; cover replacement costs AND liability.

Before it was a B&B the other 4 units were month-to-month rentals and I had both homeowners & rental insurance through State Farm, but when I went over to the ‘transient occupancy,’ State Farm said they wouldn’t insure the 3 rental structures, only my residence. When my policies expired and were cancelled, my mortgage company put lender-based policies on the 3 rental structures at an exorbitant cost, and (I just found out while doing my taxes), the coverage is only to pay the lender in the case of loss; I will get nothing to replace or rebuild. And, of course, there is no liability coverage for my business,

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In Topics Insurance, Women in Agriculture

In General FarmsReach community

Comments 4
10/04/17, updated

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  |  Lucky Monkeys Ranch  |  Willits, CA commented

You might try Grange Insurance Company (washington state) They cover our farm, home, tractor, solar, and may cover short term stay-overs. Or you may need a commercial policy for that.

https://www.grange.com

11/11/17 11:44 PM

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38
Matt Nolte  |  Wondernut Farm  |  Big Oak Flat, CA

Subject: Atypical insurance policies

We're having some difficulty finding an insurance policy to cover our operation, or even part of it. We're looking for a general liability policy to cover if someone was to get hurt by livestock, livestock was to wander out to the street and run into a car, if a tree falls on someone, etc. Not particularly concerned about valuing any structures/equipment on property, though open to it (100 year old hay barn, 40 year old pole barn, shipping containers, solar panels). Not looking for product liability.

We raise a small herd of pigs, goats and sheep (4 sows, ~14 does, ~8 ewes) in a rotational grazing system and run a tiny (2/3 acre) market garden and are growing ~100 trees. We milk animals for our own use, make cheese, and feed whey to pigs. We sell piglets, kids, and lambs. We own the land, but don't have a home on it, or own our own homes elsewhere, so can't connect it to a homeowners policy.

We are off

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In Topics Insurance

In General FarmsReach community

Comments 4
07/11/16

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6
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  |  Golden Feather Tea  |  Concow, CA commented

Hi Candi, I found out that USDA FSA can assist with finding the http://insurance.MikeGolden Feather Tea
07/17/16 8:19 AM

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FarmsReach Team  |  FarmsReach  |  Berkeley, CA

Subject: Agritourism: Negotiating permits & regulations archive, presentation slides and Q&A overview

Below are links to access all the useful info from the third webinar in the Agritourism Conversations Series: The Rules: Negotiating Permits & Regulations -- presentation slides, webinar recordings and a summary of the Q&A. We welcome your other questions or tips in the CA Agritourism group as well!

Below is a summary of what was covered in the Q&A section, if you want to jump to the spot in the second video recording

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In Topics Marketing & Sales, Food Safety, Business & Financial Planning, Insurance

In General FarmsReach community, California Agritourism

Comment 0
06/21/16, updated
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FarmsReach Team  |  FarmsReach  |  Berkeley, CA

Subject: Revisiting Your Agritourism Strategy for Increased Income

If you offer any kind of agritourism - from U-Pick to to bed-n-breakfast - we think you may be interested in the upcoming Agritourism Conversations hosted by UC Small Farm Program and FarmsReach! It is a series of 5 practical webinars with ongoing Q&A and resource-sharing by presenters and the community online in between. It kicks off on May 19th and continues through July 14th.

If you are an agritourism operator and have a burning question about how to improve or expand your operation, you can also share your questions in the new CA Agritourism group ahead of time, or email: paleff@ucdavis.edu. We will make sure your questions are answered!

SCHEDULE – all webinars will be 11am-12pm PT:

  • Thursday May 19 – The Strategy: Identifying, Reaching & Connecting with YOUR Agritourism Customers
    Presenters: Kristen Skaggs and Anna Farrell, Farrell Design Group; Al Courchesne (Farmer Al), Frog Hollow Farm.
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In Topics Marketing & Sales, Business & Financial Planning, Staff, HR & Worker Safety, Insurance

In General FarmsReach community

Comment 0
05/03/16, updated
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Michael Hermon  |  Farm Dog  |  San Jose, CA

Subject: Answer 25 farming questions - and we'll mail you a hat

Dear farmers!

We're a small team on a big mission - to make precision agriculture concepts affordable and accessible to even the smallest of farmers. We need some input to be smarter about what we're building.

Our name is Farm Dog (http://farmdog.ag/) and we'll gladly send a Farm Dog hat to the first 50 people that will answer the 25 questions in this survey form: http://goo.gl/forms/88SywcPrlt

Yours,

Michael Hermon

Co-founder and CTO

Farm Dog

In Topics Soil Fertility Management, Seed & Planting, Trees, Vines & Planting, Pest & Disease Management, Water & Irrigation, Harvesting, Washing, Packing & Packaging, Waste Management, Marketing & Sales, Food Safety, Equipment, Trucks, Delivery & Logistics, Growing Structures: Greenhouses, Hoop Houses, etc., Facilities, Cooling & Energy Systems, Business & Financial Planning, Funding Opportunities, Staff, HR & Worker Safety, Immigration & Farmworker Rights, Insurance, Certifications, Farmland Conservation, Sales & Estate Planning, Wildlife Management, Livestock, Beginning Farmers & Ranchers, Women in Agriculture, Weather & Climate Change, Urban Agriculture, Policy, News & Events, Anything Goes

In General FarmsReach community

Comment 0
12/08/15
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Ruthie King  |  Grange School of Adaptive Agriculture  |  Willits, CA

Subject: Grange Farm School offers residential, vocational training in 2016

The Grange Farm School is looking for a special kind of student. You think holistically rather than in parts. You see the importance of asking high quality questions. You are innovative, ambitious, persistent, and collaborative. You want to be part of the new face of agriculture that will transform our world for the better.

Our 14 week residential, Student Program offers you the tools and confidence to manage a successful agricultural enterprise, whether in farming, ranching, or related fields. You will live and work on a beautiful 5,000 acre ranch with diverse vegetables, grains, fruit trees, and livestock. Guest instructors and staff members provide a comprehensive curriculum in business management, industrial arts, animal husbandry, soil and ecology, and crop production, supported by an understanding of the theory and history of our food systems. You will leave with hands-on practical experience, and

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In Topics Soil Fertility Management, Seed & Planting, Trees, Vines & Planting, Pest & Disease Management, Water & Irrigation, Harvesting, Washing, Packing & Packaging, Waste Management, Marketing & Sales, Food Safety, Equipment, Growing Structures: Greenhouses, Hoop Houses, etc., Facilities, Cooling & Energy Systems, Business & Financial Planning, Staff, HR & Worker Safety, Insurance, Certifications, Farmland Conservation, Sales & Estate Planning, Wildlife Management, Livestock, Beginning Farmers & Ranchers, Women in Agriculture, Weather & Climate Change, Urban Agriculture, Policy, News & Events

In General FarmsReach community

Comment 0
12/05/15
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Annie Hehner  |  Leap frog farm  |  Guinda, CA

Subject: farm insurance

I'm shopping around for Farm/Ranch insurance--anyone have any suggestions?

In Topics Insurance

In General FarmsReach community

Comments 11
01/13/15

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52
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  |  Petersons farm  |  Petaluma, CA commented

Grange InsuranceAssociation                                                                     PO box 21089Seattle Washington 98111-3089Was best deal i could find. Farm Bureajust did not want to botherwith my businessrayAt 03:13 PM 11/16/2015, yo
11/16/15 3:20 PM

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Johnny Campbell  |  Campbell Family Farm  |  Santa Rosa, CA

Business structure and Insurance questions:

I am starting a small farm on family property in Santa Rosa. Some of the produce will be direct marketed to restaurants, but most is intended to be sold as U-Pick/on farm farmstand. I am curious to hear thoughts on business structures and insurance plans/agents. For my business structure, a sole proprietorship seems simplest, but an LLC provides limited liability. What are peoples thoughts on these two choices? And in terms of liability, what type of insurance is recommended for having people come to a farm for U-Pick. And are signed liability waivers necessary?

Thanks for any answers!

In Topics Marketing & Sales, Business & Financial Planning, Insurance, Beginning Farmers & Ranchers

In General FarmsReach community

Comments 9
07/08/14

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  |  Wood Prairie Farm  |  Bridgewater, ME commented

I believe you folks in California have State child labor laws above and beyond Federal requirements. States like Maine largely rely on the Federal rules which allow the children of Sole Proprietor farmers to perform work (including around machinery) other non-family children are not permitted to do. Obviously, we use care and judgment in deciding what jobs our under-18 children may help us with with their safety being our primary concern. Safety by design vs. safety by regulation. In 38 years of farming we've had just a very few minor injuries among our employees which required medical attention

07/09/14 6:09 AM

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Candi Edmondson  |  Paul's Produce  |  Sonoma, CA

We are looking to insure our tractors and running into a roadblock. Insurance companies are asking if we grow spinach (yes) and or salad mix (yes) and insisting we jump through and document protocols for these crops. Even though, all we want insurance for is the equipment. Thoughts?

In Topics Insurance

In General FarmsReach community

Comments 6
02/19/14

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  |  Shamrock Artisian cheese  |  Willits, CA commented

I use Paul McNerlin in Ukiah. 707-462-9223 If he can not help you, he will find some that can. Awesome to work with.
02/20/14 7:59 PM

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2.5
Lalitha Vish  |  Jellicles Farm  |  Sunol , CA
General product liability question.   i got general farm liability from united valley(nationwide agribusiness). I was told that beekeeping insurance is $600.00 extra per annum if I were to extract and sell the honey as a product. I deferred because I had just ordered my hives and nucs..and had no honey to sell.   fast forward a couple of weeks...I want to add the local community kitchen as an additional insured to process some canned products. For this I am required to purchase general product liability so that the jams and pickles are insured for product liability. I wanted to add honey as a product and the extraction in a licensed facility as a process, but it's unclear whether this is possible.   has anyone else had to buy separate insurance for selling honey and a diff product I liability insurance for jamey pickles etc? If so, are there separate 'class codes''. The previous owners of... Read More

In Topics Insurance

Comment 1
08/14/13
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3
2.5

  |  Jellicles Farm  |  Sunol , CA commented

It's sorted out! Phew! I don't need extra beekeeping insurance as long as I don't do pollination services for others.
08/14/13 2:32 PM

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