Farming is more than just your home and business, it’s your way of life. From small hobby farms to large grain and livestock operations, we offer policies designed to provide the types of coverages you need to protect your home and personal property as well as your farm buildings, equipment, and livestock.
LSB Insurance insures farms across central Iowa with flexible products and agri-business specific coverages designed to meet the needs of today's farming operations.
Dwellings and Household Property
Scheduled and Blanket Farm Property
Comprehensive machinery coverage
Farm Liability and Workers Compensation
Federal Crop Insurance
Multi Peril Crop Insurance (MPCI) is a government subsidized risk management tool available for agricultural producers, farmers, ranchers and others to protect them against:
- The loss of their crop yields due to natural disasters, such as hail, drought or excess moisture
- The loss of revenue due to declines in the prices of agricultural commodities.
Crop Hail Insurance is available to agricultural producers, farmers, ranchers and others from private insurers because hail is a narrow peril that occurs in limited places. Crop Hail Insurance protects against perils such as hail, transit and fire.
Livestock Gross Margin (LGM) and Livestock Risk Protection (LRP) are available to protect against the loss of gross margin or loss of revenues from a price decline over a certain amount of time. These policies do not protect against other perils such as mortality, disease, or any other cause of loss. Livestock Mortality insurance coverage is also available as a separate product.
Umbrella – Excess Liability
Agri-businesses are vulnerable to unsuspected events like natural disasters or lawsuits that often result in losses that exceed the limits of liability coverage. Umbrella insurance policies provide additional liability insurance to "cover the gap", potentially saving your farm in the event of a catastrophic event.
Whether your Agri-businesses is a small family operation or large commercial enterprise, a benefits program is important to protect those who help with the daily operations.