Pacific Coast E&S Insurance Services
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Pacific Coast E&S Insurance Services
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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
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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.
OPTIONAL FARM AND RANCH COVERAGE HIGHLIGHTS:
◆ 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
◆ Spoilage
TYPICAL FARM AND RANCH RISKS WE CONSIDER BUT ARE NOT LIMITED TO:
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
www.pacificcoastes.com
 
 
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