 Tobacco/Ginseng Building Coverage
Barns and Outbuildings includes farm barns, tobacco barns, kilns, greenhouses, bunkhouses, implement sheds, storage buildings, silos and grain bins that you own which are designed and built for the storage or housing of produce and/or agricultural equipment.
GINSENG
Ginseng Seed
We will insure your seed while it is being stratified (buried in the ground) for theft only.
Green Seed
We offer coverage on your green seed on a Broad Form basis excluding theft, but including robbery and burglary. This coverage is warranted provided the seed is contained in a locked building or cooler.
Ginseng Root
We can insure your harvested ginseng root on a Broad Form basis excluding theft but including robbery and burglary. Coverage is warranted provided the root is contained in a locked building or cooler.
We can also insure the root while it is off your premises and being dried.
Ginseng Shades
Ginseng shades may be insured whether they are wooden or polypropylene on a Named Perils basis.
TOBACCO
 Tobacco Stock
Tobacco stock means tobacco harvested on the insured farm in the year in which this policy is issued and held by the insured for sale or for curing. Coverage shall begin when the harvested tobacco is in the kiln.
Coverage
We cover all risks of direct physical loss or damage to Tobacco Stock from any external cause.
Some Included Features:
Smoke Damage Clause
Applies only to stock in kilns where damage is caused directly by smoke.
Limited Consequential Loss
Hydro interruption coverage is provided. Visible and physical evidence of direct damage must be evident.
Bailed Tobacco in Transit
Limit of liability is $25,000 per occurrence, per farm location.
Contact your broker for details. |
