Medical Payments & Liability

  • Medical Payments & LiabilityMedical 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.