Courtesy of iii.org
According to Deutsche Welle an Austrian court held a farmer responsible after one of his cows killed a hiker walking through his farm. The articles reported that the cow grew furious on the dog's dog and was loaded on them. The farmer must pay over $ 200,000 in repayment for the horrible event to the deceased spouse and son.
I am not well known for nuances of Austrian liability law and insurance. But what if a similar (hopefully non-lethal) accident happened on a US farm – how would insurance play a role?
Fortunately, it is a thing called "country insurance." It can be complicated, but often a farm insurance policy is just a hodgepodge of property and liability insurance ̵
Today, let's just focus on the responsibilities. Imagine, the farmer Joe's cow, Betty, running wild and breaking the leg of someone visiting his farm. What happens?
Paying for liability and medical expenses
The normal agricultural liability policy will cover damage if someone is injured in the yard (subject to various limitations and exclusions, of course). So when Betty breaks someone's leg, Farmer Joe's insurance will cover any damage he has to pay. Agricultural policy also pays certain healthcare costs, regardless of who is guilty of the damage. Medical expenses usually include first aid and other necessary services.
Strength is not covered
Easy enough. But think of another scenario: Farmer Joe holds a choir on his farm and has invited his neighbors to watch. Betty breaks away from the racetrack and breaks her neighbor's leg. In this case, Farmer Joe is probably not covered for injuries caused by races, forces or stunts.
Lots of politics, many options
There are many types of farms: dairy farms, cattle ranches, horse farms, poultry farms, agritourism farms. There are many different types of insurance cover available for each unique situation. Here is just one taste:
- Horse farms and ranches (property and responsibility)
- Commercial horses (responsibility for horse farming)
- Horse (company coverage if a horse becomes ill or dies)
- Animal insurance
- Forest insurance  Forest Stock
- Forest Horses (property and responsibility for people as shoe horses)
- Riding instructor
- Greenhouses and agricultural market insurance
- Agritourism horses in place, petting zoos
It is always important to talk to an insurance agent about your coverage needs. You may not think you have exposures to agricultural responsibility, but if you live in a rural or rural area and own livestock, it is probably a good idea to double check.
You can read more about agricultural and ranch insurance here.