1. Scheduled & Blanket Mobile Farm Machinery (Coverage F / G)
Covers your tractors, loaders, combines, self-propelled windrowers/swathers, round and big-square hay balers, bale wagons, sprayers, and tillage implements against fire, lightning, windstorm, theft, vandalism, rollover, and highway collision. You can schedule high-value rigs individually and cover smaller implements on an unscheduled blanket limit.
Real-world example: If a bearing overheats and sparks a chaff fire inside your big-square hay baler in the middle of second cutting, Scheduled Machinery covers the loss.
2. Foreign Object Ingestion & Mechanical Breakdown Endorsements
During haying and grain harvest, picking up a hidden rock, steel fence post, or antler in the header or pickup teeth can destroy a cutterbar, rotor, or plunger in seconds. We add Foreign Object Ingestion and Cab Glass breakage (often with reduced or $0 glass deductibles) for combines, forage harvesters, swathers, and balers.
Real-world example: If your combine or self-propelled forage harvester swallows a rock in the field and shells out the internal cylinder and concaves, Foreign Object Ingestion pays for the teardown and repair.
3. Center-Pivot Irrigation, Wheel Lines, Pumps & Panels
Irrigation systems face constant exposure to windstorms, lightning surges, electrical phase failure, weight of ice, and pivot alignment collapse. Dedicated Irrigation Equipment coverage protects your center pivots, lateral move systems, wheel lines, mainline pipe, booster pumps, and VFD electrical panels.
Real-world example: If a microburst windstorm flips three spans of your center-pivot irrigation system or lightning fries the main pivot control panel, Irrigation coverage gets water back on your crop.
4. Borrowed, Rented & Leased Farm Equipment
When a tractor goes down during harvest or you rent a specialty implement from the local dealership or borrow a neighbor's piece of iron, you are contractually responsible for physical damage while it's in your possession. Non-Owned / Borrowed & Rented Farm Equipment automatically extends physical damage limits to short-term rentals.
Real-world example: If you rent a $190,000 tractor from the dealer for three weeks during spring planting and a hydraulic fire or collision damages it, Borrowed & Rented Equipment satisfies the dealer's rental contract.
5. Precision Ag GPS Globes, Displays, Autosteer & Drones
Trimble, John Deere StarFire, and Case IH RTK receivers, in-cab monitors, and variable-rate controllers are portable, expensive, and prime targets for overnight theft. We ensure your precision ag electronics are covered whether mounted on a tractor, moved between cabs, or stored in the shop.
Real-world example: If thieves steal two GPS receiver globes and in-cab displays off tractors parked at a leased field, your Precision Ag & Machinery coverage pays to replace them.
6. Extra Expense / Equipment Rental Reimbursement & Newly Acquired Iron
When a covered fire or wreck disables your primary baler or tractor mid-cutting, waiting four weeks for parts means losing crop quality. Rental Reimbursement / Extra Expense helps pay to rent a substitute machine so you finish harvest on time, and Newly Acquired coverage automatically protects new purchases for 30 to 60 days.
Real-world example: After a baler fire, Rental Reimbursement helps pay the daily rental fee on a replacement baler so your down hay gets baled before rain hits.
