The PHLY Difference: Niche Agribusiness Expertise

PHLY’s agribusiness insurance program goes beyond our Farmowners Insurance policy to anticipate unique exposures in specific targeted commercial classes. We write for a broad array of niche operators, including wholesale and retail nurseries, feedlots, hay and grain dealers, sod operations, grain storage operations under 1.5 million bushels, wineries (outside of California), and agricultural supply stores.

Our General Liability and Property policies cover a range of claims that might arise in these classes, including personal-injury claims brought by third parties and damage to commercial buildings and infrastructure. As a member of Tokio Marine Group, one of the largest global insurance groups in the world, PHLY partners with sister companies such as ProAg, which offers crop insurance as weather becomes more unpredictable.

Agribusiness Risk Management Meets PHLY’s Flexible Coverage

As with every PHLY program, our specialized knowledge is backed by proactive risk management tools. Through our PHLYTRAC vehicle telematics program, eligible commercial agribusiness fleets get GPS monitoring and driver behavior alerts at no additional cost. Our PHLYSENSE water and temperature sensors help detect property threats, such as leaks, before they become full-blown problems. PHLY also offers safety program development, site surveys, and training.

PHLY’s Agribusiness Insurance Program highlights include:

• Comprehensive General Liability coverage with limits to $1M per occurrence / $2M aggregate

• Seed E&O options and Employee Benefits coverage available

• GL Deluxe enhancement form included at no additional charge, broadening coverage for additional insureds

• Broad, proprietary UltimateCover base coverage form

• Elite Property enhancement form included at no charge

• Business Income / Extra Expense and Boiler & Machinery coverage available

• Umbrella Liability limits available up to $5M

• Employment Practice Liability (EPL), Cyber Security, Liquor Liability, and Crime coverages available

• Crisis Management Enhancement Endorsement with a $25,000 limit

For exposures not addressed by our General Liability and Property policies, commercial clients may benefit from additional coverages such as PHLY’s Flood Insurance.

Our application process requires the following documents for proposal:

• Completed ACORD applications

• Schedule of values for multi-location accounts when total account TIVs exceed $10M

• Current driver list

• Supplemental applications as requested by Underwriting

• Currently valued insurance company loss runs for the current policy period plus three (3) prior years

• A copy of the most recent financials including an income statement detailing revenue streams

As an A++ (Superior) Rated Carrier with AM Best and a proud member of Tokio Marine Group, PHLY offers one of the strongest financial stability ratings in the industry. Ready to submit a new agribusiness insurance policy? Log in to MyPHLY.com to submit new business, or call us directly at 800-873-4552.

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• Completed ACORD Applications

• Schedule of Values for multi-location accounts when total account TIVs exceed $10M

• Current Drivers List

• Supplemental Applications as requested by Underwriting

• Currently valued insurance company loss runs for the current policy period plus three (3) prior years

• A copy of the most recent financials including an income statement detailing revenue streams