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PERSONAL LIABILITY INSURAIvlCE FOR FARMERS 



A farmer runs a greater risk now than ever before of becoming involved in a 

 lawsuit because of injury or death to another person or of damage to property. 

 More people come to the farm for various reasons, farmers own more power equipment 

 of one kind or another, more skill is required of employees and in some cases more 

 farm prccessing of farm products is done. Farmer's net worth has increased so 

 farmers tend to lose more if called into court. A substantial court judgement 

 could mean the loss of lifetime savings. Liability insurance is more necessary 

 now to a farmer than ever before. 



Personal Liability of Farmers 



As an owner or occupier of property, a farmer must maintain his holdings with 

 due regard to the safety of others both as to their persons and their property. 

 This duty applied particularly to the upkeep of buildings and the farm surroundinRs . 

 in the control of livestock on the fainn, in the vTholesomeness of the products he 

 sells, as well as to the work undertaken by him both on and off the farm. 



Among other things under personal liability a farmer is responsible for the 

 following: 



1. To safeguard visitors and their property on his premises. (His highest 

 responsibility is to those persons he directly or indirectly invites to his place; 

 he is less responsible for licensees such as salesmen and he owes trespassers at 

 least the duty of not knowingly harming them.) 



2. To keep his livestock off highways where they may cause accidents resulting 

 in injury to motorists or to property. 



3. To provide safeguards in handling vicious animals. 



4. To warn his tenant of any hazard on the premises that would not ordinarily 

 be detected. 



5. To prevent fire from spreading from his property to the premises of another. 



6. For his own negligence if an employee is injured while at work. 



7. To his own employees, and under certain circumstances, those of a contractor 

 doing work on his farm, even though the contractor might carry insurance. 



8. To the public for v7hole8omeness of his products. (Farmers who sell 

 farm prepared food products such as ready-to-cook poultry, frozen chicken pies, 

 pastries, apple cider, farm made sausage and the like may assume this liability 

 as a result.) 



Insurance is offered to protect farmers from some or all of these risks and 

 others not listed. 



