Personal / Farm Liability

In addition to insuring your property, Shenandoah Mutual offers personal liability coverage, which applies anywhere in the world, protects you and your family in case someone brings a claim against you or sues you, alleging that you caused them either bodily injury or property damage.

Personal liability coverage covers claims for bodily injury or property damage caused by an insured person as long as it isn’t vehicle-related and does not arise from business activities. The trigger for this coverage is your negligence and, unfortunately, the “I’ll see you in court” mentality. Included here are medical payments to third parties, and your legal costs for any lawsuits brought against you.

Farm Liability can be attached to the policy if there is a farm activity at the residence premises or any other location owned or rented to the insured. Farm liability insurance is a critical component of protecting your farm. No matter how careful farm owners are, accidents can and do happen to visitors, vendors or others who come onto your farm property. Farm liability insurance protects against liability lawsuits by providing coverage for farm, business, or personal exposures. Liability insurance can help protect your assets from lawsuits that sometimes cost millions of dollars. It can help save you from losing your farm business, home, or property.