When you own a chicken/egg farm, you know there are several risks that could seriously hurt your business if you don’t have protection. Your workers, tools, and buildings, not to mention your chickens, all need their own coverage in order to keep your business running safely. Fortunately there’s chicken/egg farm insurance to help you achieve just that.

Working with a South Carolina insurance agent is the best way to get your business equipped with the protection it needs. They’ll make sure you take all aspects of your chicken/egg farm into consideration while selecting your coverage. But first, here’s a closer look at chicken/egg farm insurance.

What Does Chicken and Egg Farm Insurance Cover in South Carolina?

A chicken/egg farm insurance package in South Carolina is essentially another form of South Carolina business insurance designed to protect common risk areas of chicken/egg farms. No two policies are exactly alike, so your South Carolina independent insurance agent will advise you about which exact coverages make the most sense for you and your business. Generally, however, chicken/egg farm insurance provides coverage for the following:

• Legal risks: A farm is a business like any other, which means there’s always a risk of getting sued by a third party. Legal charges can be expensive, and having the liability insurance provided in a chicken/egg farm policy is critical to recoup these fees.
• Property risks: Your chicken/egg farm has several structures it needs to function, from fencing to farmhouses. The property insurance provided in a chicken/egg farm policy guards against damage caused to these structures by a number of threats, including various natural disasters.
• Equipment risks: Chicken/egg farms also require a lot of special equipment to operate successfully. Equipment insurance is an important part of a chicken/egg farm policy, and guards against numerous threats, including theft and fire damage. More on this crucial coverage in just a second.

Your South Carolina independent insurance agent will help you build a chicken/egg farm insurance policy that meets the needs of your unique business.

What Does Chicken/Egg Farm Equipment Insurance Cover in South Carolina?

Your chicken/egg farm’s equipment is valuable, and having to replace it out of pocket could seriously hurt your business. That’s why having adequate equipment insurance is so important. Equipment coverage guards your chicken/egg farm’s gear from numerous disasters, including:

These are just a few examples of threats that could damage or destroy your equipment, and are covered perils under the equipment insurance in a chicken/egg farm policy. Talk with your South Carolina independent insurance agent to find out even more threats that your chicken/egg farm’s equipment will be guarded against with the right coverage.

Does Chicken/Egg Farm Insurance in South Carolina Cover Transportation?

That depends. Since chicken/egg farm policies in South Carolina vary so widely, you’ll need to have a discussion with your South Carolina independent insurance agent to be sure. Your policy may include coverage for transportation of equipment, etc., or it may specifically exclude it. The policy may also protect items while in transit with certain exclusions. You’ll just need to review your specific policy to be sure.

What Doesn't Chicken/Egg Farm Insurance Cover in South Carolina?

While chicken/egg farm policies in South Carolina provide important protection for a number of disasters, they also come with some gaps. There are a few types of coverage you should really consider adding to your policy, including:

• Flood insurance: Chicken/egg farm insurance does not protect against flood damage, and since South Carolina can be prone to hurricanes and other wet disasters, it’s a good idea to look into adding this important coverage, which is a separate policy.
• Commercial auto insurance: Your business’s vehicles will not be protected against many risks, including traffic accidents and theft, unless you add commercial auto insurance to your chicken/egg farm policy.
• Worker's compensation: Though worker's comp is not legally required for agricultural businesses in South Carolina, your hard-working team needs to be protected against injury and illness on the job. More on why you should consider adding this important coverage in just a second.

Your South Carolina independent insurance agent will help you find and add these or any other important coverages to your chicken/egg farm policy.

Why Worker's Comp Coverage Is Important for Chicken/Egg Farms in South Carolina

Farming is one of the most dangerous occupations for workers in South Carolina. Without your crew, your chicken/egg farm wouldn’t be functional. Take a look at a few chilling stats to see why worker's compensation is so important.

While performing work of such a risky nature, your employees must be guarded against daily hazards. Your South Carolina independent insurance agent can help provide you with even more reasons why having worker's comp is important for your chicken/egg farm.

Here’s How a South Carolina Independent Insurance Agent Can Help

When it comes to protecting chicken/egg farms against hazards like frost, vandalism, fire, employee injury, and all other disasters, no one’s better equipped to help than an independent insurance agent. South Carolina insurance agents search through multiple carriers to find providers who specialize in chicken/egg farm insurance, deliver quotes from a number of different sources, and help you walk through them all to find the best blend of coverage and cost.