The Cost of Farm Insurance Coverage in Minnesota Get with your independent insurance agent to make sure your farm food product is pure and clean and ready to be insured properly. There is also food poisoning coverage it pays medical costs for a consumer who gets food poisoning, and pays your legal costs if they sue your farm for damages. They will want you to have spoilage coverage for if your food spoils and you need it replaced. They require you to follow the proper channels when it comes to selling your farm's food to the general public. Your insurance concerning food and your farm's food products go pretty much hand in hand with state laws. There is a many-page law in effect that goes over each and every type section by section that the Food Safety Modernization Act addresses. The Minnesota Food Safety Modernization Act was established to break down and regulate food that can be consumed, the way it can be consumed, and how it needs to be regulated. If you're a farmer and your precious crops are being sold to the consumer for food consumption, then Minnesota has something to say about that. The way your food is manufactured, transported and handled is all regulated. Request a quote Minnesota Food Code Laws and Your Insurance The safer you are, the lower your premiums and the more you save. Handling harmful chemicals the proper way is smart and your community will thank you. As with any insurance, the kicker is whether your intent was malicious in nature or harmful or careless if so, then your insurance company may void the claim and cancel coverage altogether. It will provide coverage if you get sued as a result of pollution and will potentially pay for any clean-up of a pesticide or pollutant. Your pollution insurance should be an endorsement or additional policy on your farm insurance. After all, Minnesota IS The Land of 10,000 Lakes. The Minnesota Department of Agriculture, aka MDA, also monitors the effects that pesticides and fertilizers have on the water in the state. If you are caught doing any of the above in a harmful way or not within the pesticide's intended use, then you could not only face the legal consequences, but your insurance could have implications as well. Minnesota has a pesticide act in place that protects human health concerning the transportation, disposal, use, labeling, storage, distribution and application of pesticides. Minnesota Pesticide Laws and Your Insurance Keeping your herd up to par when it comes to health could save you a whole lot of trouble and money, plus make you a good neighbor to other surrounding farms. It will not, however, provide coverage for disease. Your livestock insurance will cover if your livestock is attacked, gets caught in a barbed-wire fence, or is stolen, and also includes covered perils such as fire and weather. Once a disease gets rolling and proper containment guidelines aren't followed, it can spread faster than wildfire, infecting not only your herd but others. Like most states, Minnesota has an Animal Traceability Program that will aid in keeping track of livestock and diseases to avoid spreading to the masses. In Minnesota, there are reporting regulations and laws that are to be followed concerning livestock disease reporting, prevention and control. Your farm's livestock needs to be healthy, not only to produce a bountiful livelihood, but also to make sure your farm is abiding by proper Minnesota state laws. Minnesota Livestock Laws and Your Insurance Going over what pertains to your farm with your independent insurance agent will make certain you are properly covered. That being said, there's a lot of insurance and a lot of laws that could fall under agriculture in Minnesota.
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