keyboard_backspaceBack to main blog page

Pacific Coast E&S Insurance Services

At Pacific Coast E & S Insurance Services, we’ve mastered “the three R’s” of insurance: rapidity, resourcefulness and relationships.” Rapidity - You can count on Pacific Coast E & S Services for prompt, efficient service, an innovative and proactive approach to placing your business, and the personal touch that shows you’re a valued customer, each time you call. Resourcefulness - Pacific Coast E & S Insurance Services has the resources to provide solutions for your client’s risks. We access A-rated insurers for your specialty and difficult accounts. Relationships – Using our substantial binding authority with contract markets and our knowledge and experience with brokerage facilities, we place coverage for retail producers on a broad spectrum of accounts. We’ve built strong relationships with retail agencies. We don’t work with everyone – we partner with agencies that operate at a high level of professionalism.

Comprehensive Coverage for your Clients’ Farm and Ranch Needs!

Jerrod Olsen Jerrod Olsen , 5/30/2018
This content has not been rated yet.
Customized coverage solutions for hobby and gentlemen farms do not need to be complicated. Let Pacific Coast E&S provide a complete solution for your hobby and gentlemen farm needs.

Pacific Coast E&S offers various coverage options providing Farm Liability, Commercial General Liability(CGL) and Farm Property to fit your clients' needs.

A typical farm policy contemplates the premises liability of the farm as well as bulk or wholesale sales of the products produced on the farm and/or ranch. It does not contemplate retail or other commercial enterprises. These additional exposures are contemplated by the CGL policy.

Pacific Coast E&S offers five (S) farm coverage options to meet your clients' needs.
Coverage Options Typical Risk Examples
Option #1
CGL* with Basic Farm Liability
(CG OO 01 & FL 04 11)
Row crop farmers with tenant-occupied dwelling
Tenant farmer
Landowner with farming or leasing to others
Option #2 (Add Farm Property to create Option #4)
Farm Liability Coverages H - J
(FL OO 20)
Row crop farmer selling wholesale
Farm with livestock sold wholesale
Sheep farm with woo sold wholesale
Option #3 (Add Farm Property to create Option #5)
Farm Liability Coverages H - J with CGL*
(FL 00 20 & CG 00 01)
Farm selling their products at local farmers markets
Beekeeper selling honey and lotion to retail clients with CGE
Alpaca farm with wool sold at farmers markets and to individuals
Any type of farm that acts as an event venue; weddings, reunions, seasonal events, etc.
•"Commercial exposures" Include but are not limited to retail sales of farm/ranch products (cannot be the main source of Income), tenant-ocupied dwellings or buildings, land leased to others for the purpose of farm/ranch land.
Limited pollution for agriculture burning sublimit $25,000 with options to increase up to $100,000
Chemical Drift Liability Coverage — sublimit $25,000
Farm Personal Liability when a CGL with Basic Farm Liability is offered;
Increased limits of liability available for Farm Liability & CGL
A I-terrain vehicle coverage
Animal rides for profit and charity
Livestock collision
Peak season
Wholesale and retail sales including but not limited to:
Field/row crops Vegetables Fruits and Nuts Livestock
Cattle Alpaca Goats Sheep
Dairy - butter, milk & yogurt Eggs Nursery stock Hay/Straw
Honey & honey products      
U-pick, farm stands, and farmers markets
Vineyards and orchards
Chickens, swine and pleasure horses
Custom farming, fruit/vegetable harvest contractors, farm machinery operations by contractors
LRO farms with or without tenant-occupied dwellings or owner-occupied dwellings
Tenant farmers
Farms with school tours and petting zoos (farm type animals only)
Farms with hunting exposures and guides & outfitters
Farms with special events and seasonal events (weddings/parties, hay rides, pumpkin patches, haunted houses, corn mazes, amusement devices, Christmas tree lots, etc.)
Don't spend time searching for a needle in a hay stack.
Let Pacific Coast E&S be your comprehensive Farm and Ranch coverage solution today!
Pacific Coast E&S Services
2235 Mercury Way
Suite 110
Santa Rosa, CA 95407
T: 800-772-8538
F: 707-573-9761

and Elevated Highway Construction InsuranceArtisan Contractors InsuranceBlastingBridgeCommercial Artisan Contractors Excess Liability InsuranceCommercial Artisan Contractors General Liability InsuranceCommercial Artisan Contractors Insurance PackageCommercial Artisan Contractors Property InsuranceCommercial Plumber Contractor General Liability InsuranceCommercial Remodeling Builders Risk InsuranceCommercial Roofing InsuranceDesign Errors and Omissions for Roofing Operations InsuranceDomestic Plumber Contractor General Liability InsuranceDrilling and Demolition Contractors Liability InsuranceElevator Contractors General Liability InsuranceElevator Contractors Installation InsuranceElevator Contractors Life InsuranceElevator Contractors Professional Liability InsuranceElevator Contractors Property InsuranceElevator Contractors Umbrella InsuranceFarm and Ranch CoverageFarm InsuranceFraming InsuranceFraming Work Service InsuranceGeneral Contractors General Liability InsuranceGeneral Contractors InsuranceGeneral Contractors Umbrella Liability InsuranceGeneral Contractors/Developers InsuranceIndustrial Plumber Contractor General Liability InsuranceInsulation and Roofing Material InsuranceMillwrights InsuranceNon-Standard General Contractors General Liability InsuranceNon-Standard General Contractors Products Liability InsuranceNon-Standard General Contractors Special Multi-Peril InsuranceNon-Standard General Contractors Umbrella InsuranceOperators of Nonresidential Buildings InsurancePaper General Contractors General Liability InsurancePaper General Contractors InsuranceRanch InsuranceRemodeling General Liability InsuranceResidential Artisan Contractors Excess Liability InsuranceResidential Artisan Contractors General Liability InsuranceResidential Artisan Contractors Insurance PackageResidential Artisan Contractors Property InsuranceResidential Building Renovation InsuranceResidential Plumber Contractor General Liability InsuranceResidential Remodeling Builders Risk InsuranceRoofingRoofing and Gutter Work InsuranceRoofing and Siding Materials Wholesaler Insurance