Hunter Nelson explains why farm workers need general liability insurance. Many brokers require it even when individual farmers don't, and it covers broader business operations but doesn't replace auto liability, pollution coverage, or workers' compensation.
Your general liability is gonna be required by a lot of brokers. Uh, not, not all you guys will be working with co-ops and everything along those lines. You might just work with a lot of farmers and they could give a crap on what kind of insurance you have, but general liability is gonna be a big piece. You guys are hopping in and out of combines. You guys are being farmhands, whatever the case is where you guys' operation comes into play. General liability is just as important as your auto liability and your auto, auto coverage. And what general liability is, is a general business coverage, right? It is going to cover general business operations unless there's another policy coming into play. Since auto exists, pollution exists, workers' comp exists, it's not going to cover any of those things. That's the easiest way to think about general liability. So general business coverage, but it's too broad. So there's another policy that exists for it.
