Insurance is the language of the Practical Life

Small and Rural Services, Inc

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Your one stop shop for all your Farm needs!

Farmers and Ranchers Policy:

The Farmers and Ranchers Policy can cover the Dwelling(s), Contents, Outbuilding(s), Schedule Farm Personal Property, Blanked Farm Personal Property, and Liability limits up to $1,000,000.00 all in one package policy.  Several deductible options are available in addition to your choice of perils.

Commercial Excess Liability:

The Commercial Excess Liability Policy provides protection against third party claims which exceed the policy limits provided by the Insured's primary underlying policies.  The primary insurance program must cover all the insured's known liability exposures and must be a comprehensive form.

Protection is afforded for claims arising out of farm/ranch operations, personal activities and can even include auto.  Our Commercial Excess Policy provides added protection for equine, grain, livestock or any farm business when we provide the primary Farm Personal Liability.  Underlying automobile liability policies may be added whether or not we provide the underlying coverage.

Commercial Farm Automobile:
We understand that your farm autos are an integral part of your farming or ranching operation.  The generic web based auto coverage may be okay for your city cousins but you need a company that understands the special uses of autos in conjunction with your farm or ranch.

The Combined Single Limit policy will allow your insurance coverage to adapt to the demands of a loss whether it is Bodily Injury or Property Damage.  You have the Full limit available if one person is injured, several people are injured, or there is heavy Property Damage.  Put the flexibility of our Combined Single Limit Policy to work for you!