Liability Coverages

PRINCIPAL COVERAGES

• Personal Liability - Covers damages (for which the insured is liable by law) caused by an occurrence arising out of the insured's premises or personal/farming activities
• Medical Payments to Others - Covers medical expenses incurred by persons, who are not insureds, if the bodily injury arises our of the insured's premises or personal/farming activities

DAMAGE TO PROPERTY OF OTHERS

• Provides up to $500 coverage for damage to property of others by the insured without the need for negligence.  The coverage can be increased for a charge.  Certain restrictions and limitations apply.

ADDITIONAL COVERAGES AVAILABLE (ADDITIONAL CHARGE MAY APPLY)

• Additional Insureds
• Babysitting
• Business Activities
• Custom Farming (Farm Personal Liability Only)
• Employer's Liability (Farm Personal Liability Only)
• Exchange Labor (Farm Personal Liability Only)
• Family Corporations (Farm Personal Liability Only)
• Farm Pollution & Clean Up Coverage (Limited Coverage) (Farm Personal Liability Only)
• Farmers Medical Payments (Farm Personal Liability Only)
• Fire Legal Liability (Rented Farms) (Farm Personal Liability)
• Hobby Farm Credit (Farm Personal Liability Only)
• Horses (Farm Personal Liability Only)
• Inboard, Inboard-Outboard Motor Boats, Sailboats & Wet Bikes
• Incidental Office
• Livestock Liability Exposure (Farm Personal Liability Only)
• Non-Farming Credit (Farm Personal Liability Only)
• Outboard Motors
• Partnerships (Farm Personal Liability Only)
• Personal Injury
• Recreational Vehicles
• Residence Rented to Others
• Secondary Residence - Seasonal Dwellings
• Waterbed Liability
• Other Situations Will Be Considered on an Individual Basis

special note:  Your individual policy is subject to any exclusions or restrictions that appear on the declarations or in the policy itself.