Why The Orchard/ Vineyard Coverage Endorsement Is So Important

Important Coverage for Your Farm Insurance.

If you farm an orchard and/or a vineyard the “Orchard/Vineyard Endorsement Coverage” is a must have on your Farm Insurance Policy. This coverage is very inexpensive for what it offers, sometimes under $100 a year. Find out why it is so important for you to have:

Trees, vines, stakes, and trellises coverage

This one is obvious, the carrier will cover loss or damage to your trees, vines, stakes, or trellises that are being used in the production of your orchard or vineyard. A common claim we see is when an orchard/vineyard is next to a road and a driver falls asleep veering into our insureds farm. This can be especially harmful on newly planted or young trees/vines as the chance of damage being done is greater to the orchard or vineyard.

This coverage is also in place for other losses such as fire. lightning, explosion, and aircraft.

Contamination of orchard and vineyards products coverage

This covers loss or damage to your production while in the in the orchard or vineyard caused by or resulting from “contamination” that occurs during harvesting.

Harvested orchard and vineyard products coverage

This coverage can be a little tricky as it has certain limits and exclusions. It’s main goal is to cover harvested orchard and/or vineyard products,
including related packing materials and containers, while:

1. At your farm location

2. In transit within 100 miles of your farm on a vehicle owned,
   hired or rented by you

3. At a non-owned off premises processing facility

Depending on your carrier there are different limits for each of the above mentioned coverages. However, for $65-250 this endorsement is very valuable to your Farm Insurance Policy. If you have any questions in regards to other ways this may benefit your farm or to see if you have this coverage, please contact our farm insurance advisors.

Photo credit: Greg Petersen @ Trulight Photography