Farm Package

Coverage Highlights

We Prove Coverage For: 

• Personal Dwelling, Farm-Related Buildings (barns, stables, hay sheds, arenas),Farm Personal Property for farm machinery, tack, equipment, hay and feed, Replacement cost available on buildings and household contents.
• On & Off Premises operations, such as boarding, breeding, riding instruction, training, racing and horse shows

Coverage & Limits Highlights:

• Up to $1 million liability limit available
• Personal liability available for owner occupied dwellings
• Choose from Basic, Broad, or Special coverage options for all property
• Various property deductibles available
• Increased Limits available for contents and loss of use based on value of dwelling.
• General Liability Aggregate limits are 3 times the liability per occurrence limit
• Commercial general liability coverage applies on and off premises in the U.S, Canada, and U.S. territories
• Provides Bodily Injury and Property Damage limits
• Fire Legal liability $100,000 (in most states)
• Medical payments $5,000
• Limited professional liability coverage for horse trainers, riding instructors and clinicians
• Personal/Advertising Injury included
• Products/completed operations included
• No liability deductible
• Defense cost paid in excess of policy limit
• ATV/Golf Cart coverage available for equine operations
• Participants coverage for horse shows
• Horse Sales coverage
• 10% liability credit for approved national association memberships

Optional Coverages

Optional Coverages

• Disruption of Farming (loss of income due to covered cause of loss to a stable or barn)
• Livestock Coverage (named perils up to $2,000 per head)
• Coverage for scheduled jewelry, fine art, guns, sports equipment, etc.
• Animal Collision
• Systems Breakdown
• Sign & Entrance Gate coverage up to $5,000
• Excess & Umbrella Liability (with limits up to $10 million)

Care, Custody & Control Coverage

Owning your own horse is a significant emotional and financial investment. Accepting the responsibility of caring for someone else’s cherished and valuable animal is also no
small task. And since standard insurers don’t fully understand the risks you undertake when caring for the horses of others, most general liability policies don’t include this
special coverage. That’s why the extra protection of Markel’s optional Care, Custody Control (CCC) coverage is so important. With CCC, you’re covered if an animal in your
care is injured, becomes ill or dies, and you are found to be negligent. This does not apply to horses you own or lease.

Care Custody & Control provides:

1. Defense and court costs for litigation, and payment for judgements up to the aggregate policy amount (per animal limit applies)
2. $10,000 liability limit for non-owned horse equipment
3.  No deductible applies
4. Available by endorsement to your General Liability or Farm policy

Why Choose Us for Insurance

Your farm is more than land and buildings. It is your livelihood, your investment, and often your way of life. A Farm Package Policy from Markel, combined with the personalized service of Mary Phelps, helps protect the many moving parts that keep your operation running.

Comprehensive Coverage for Farm Operations
Markel’s Farm Package policies are designed to bring multiple protections together under one plan. Coverage can include farm dwellings, barns, equipment, personal property, and liability protection. This bundled approach helps simplify coverage while ensuring the essential parts of your farm are protected.

Protection Built for Rural and Agricultural Risks
Farm operations face unique exposures that standard property policies may not address. Markel understands the realities of rural living and agricultural work, offering coverage designed to reflect how farms actually operate.

Flexible Solutions for Diverse Farms
No two farms are the same. Whether you operate a small hobby farm, a horse property, or a larger agricultural operation, Markel’s Farm Package policies can be tailored to match your property, structures, equipment, and liability needs.

Guidance from Mary Phelps
Mary Phelps works closely with farm owners to understand their property, their animals, and the way their operation functions. She helps identify potential risks and ensures your policy reflects the real value and exposures of your farm.

Trusted Protection with Personal Service
With Markel’s specialized farm coverage and Mary Phelps’ attentive service, you receive both dependable insurance and a knowledgeable advocate who understands rural and equine lifestyles.

A well-designed Farm Package policy helps protect the place you work, live, and care for your animals. Markel and Mary Phelps are here to help you safeguard it with confidence.

Why Work with Mary Phelps

Insurance should feel personal, not transactional.

Mary Phelps helps you:

• Understand your options clearly
• Select the right level of protection
• Avoid overpaying or underinsuring
• Enroll with confidence

You are not just buying a policy. You are making a responsible decision for someone who depends entirely on you.