Every business has exposures and risks that threaten its viability. Lyman & Sheets has more than a century of experience defining risk and recommending specific coverage that fits both your business and your budget.

Including: Equine • Cash Crops • Livestock • Fruit • Food Processors • Haulers
Many farm and ranch operations are hybrids and combine the exposures arising from personal activity to the commercial operations of the farm or ranch. As a result, most insurers offer products specifically designed for farm and ranch operations that cover both exposures. Some items to consider are property coverage for the dwelling and farm buildings, inland marine coverage on the machinery and equipment used in the operation, accounts receivable and personal property. Other items to consider include liability coverage for farm or ranch, personal exposures, automobile liability and physical damage coverage, boiler, machinery and similar equipment coverage for the facility, and crop/hail or similar crop insurance coverage. Finally, coverage for silos and grain storage elevators and their contents, as well as coverage for all forms of livestock, must also be considered. The increasing number of corporate farms has led to the development and introduction of farm commercial products such as the agricultural output policy.

Coverage Applicable: Property, Crop & Livestock, Crime, Workers’ Compensation, Umbrella, Commercial Auto, Employment Practices Liability, Life & Health, Environmental Coverage

how can we help you?

Let Lyman & Sheets help you navigate the insurance landscape.

When I arrived 15 minutes after receiving a call about a fire at our business, I was amazed to see Dave Drayton already on the scene and in contact with our carrier. He and his team saw us through the entire claim and rebuild process, and we received a very fair settlement. This is a good example of why we use Lyman & Sheets for our insurance needs.

Joseph P. Maguire
, Wolverine Development Corporation