What type of coverage do farm liability policies typically not include?

Farm liability policies are designed to cover a variety of risks associated with farming operations. However, when it comes to the sale of processed products, coverage can often be excluded or limited. This is due to the unique risks associated with product liability that arise once a product is processed, packaged, and sold.

Liability from farm premises, accidents involving farm machinery, and livestock injuries fall under typical risks that farm liability policies are structured to address. These coverages relate to incidents happening on the farm property, the use of farm equipment, and the actions of livestock, all of which are integral components of a comprehensive farm liability coverage plan.

In contrast, product liability issues can present different legal exposures, especially since they may require separate commercial general liability coverage due to their potential for higher financial repercussions and strict regulation. This distinction is crucial for farmers to understand in order to maintain adequate insurance protection for their operations.