American National CAN write the following:
- Fruit, nut, and grove orchards
- Vineyards and grape growers
- Hops
- Pick your own operations
American National CANNOT write the following:
- Any operations with hazards such as zip lines or adventure parks
- Risks that SELL alcohol
- Poorly maintained and overgrown orchards and vineyards
- Trellis, drip irrigation systems poorly maintained or constructed and are located 3 feet or less from a public road
- Pre-existing damage to trellises or vines/stock
- Animal grazing within the orchard or vineyard
- Multiple theft or vandalism claims in the last 3 years
Other important coverages American National DOES provide:
- Cold storage and loss to refrigerated products
- Loss of farm income and extra expense
- Seasonal labor housing depending on the number of beds
- Unprocessed product inventory with fluctuating monthly values
- Farm equipment breakdown
- Cab glass coverage for farm machinery
- Drip irrigation
- Some Farm employee coverages
- Drone and drone liability coverages
- For retail operations BOP coverage made available
Wineries are dependent on many different pieces of equipment. From process crushers and presses to automated bottling systems, equipment is a critical element to all wineries. American National offers equipment breakdown coverages that pays for property damage, business income, spoilage, and extra expenses caused by electrical, power and mechanical breakdowns. Equipment that is covered: AC systems, electrical systems, refrigeration, heating boilers and storage water heaters, emergency generators, and computer equipment. Â
