Farm insurance and liability checklist — two-site Tennessee¶
Primary extension source: UT W1266 — ut-extension-w1266-insurance-considerations-farming-operation-pdf.md (PDF + extract).
A — Official vs educational vs commercial¶
| Layer | Content |
|---|---|
| Official | Insurance contracts are private law between you and carrier—policy text wins. |
| Educational (high authority for learning) | UT W1266 explains coverage families and agent selection—still not a policy. |
| Commercial / low | Third-party agency newsletters in raw/ (e.g. what-is-farm-liability-insurance.md)—ideas only. |
B — Agent question checklist (structured)¶
Use separate rows for SITE_HOME vs SITE_FARM where exposures differ.
| # | Question | Why |
|---|---|---|
| 1 | Does the carrier treat us as personal farm, commercial farm, or mixed? | W1266: not all carriers farm the same |
| 2 | Do owned vs leased acres match covered locations? | Two-site distance + multiple parcels |
| 3 | Are vehicles/equipment on public roads covered as farm operations? | W1266 warns to confirm road coverage |
| 4 | If agritourism or on-farm events activate, is commercial GL required? | W1266 distinguishes general farm vs commercial business liability |
| 5 | For direct sales / U-pick / on-farm food, is product liability included or excluded? | W1266 product liability section |
| 6 | Workers’ comp vs Hired help medical payments—what triggers each? | Cross-read labor baseline |
| 7 | Cyber / remote access for telemetry—any endorsement? | Vault has separate security doctrine; insurance is additive |
C — Risk-register alignment¶
- Tie answers to R10 liability and R13 remote-site security in
Risk register and mitigation strategy.