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Medical payments coverage pays for medical bills of people injured on your property, regardless of fault.
- Examples of injuries this covers would include a guest injuring a knee from stepping in a hole or a broken arm from falling off a swing.
- There is a set limit to these payments based on the coverage you purchase.
- Liability typically covers damages that you are found liable for. Examples of liability:
- Visitor injury when you are found liable for the injury.
- Damage done to other people’s property (e.g. your hay ride wagon runs into a customer’s car).
- Defense costs in a lawsuit, if the basis of the lawsuit is covered by your insurance policy.
- There is a set limit to these payments based on the coverage you purchase.
- Some farm/ranch policies may provide employers liability coverage, which provides medical payments and/or liability payments for an employee injury.
- If you have employees, consider a separate workers compensation policy to help provide benefits for injured employees. Even if not required by law, the benefits are different than an employer’s liability coverage in a farm/ranch policy and can help protect your workforce if they are injured.