Agricultural Business

While most package policies offer protection for certain types of pollution-related events, there are others that may not be covered, leaving your client to fend for themselves in dealing with the numerous environmental regulations and requirements in place to address such issues.

Environmental liability insurance from Great American can enhance the coverage offered by the standard package policies for pollution conditions associated with typical agricultural operations.


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A Midwest producer of soybeans sustained a large ammonia release when the piping on their above-ground storage tank failed causing the release of approximately 5,000 lbs. of liquid ammonia and additional ammonia vapor. As a result clean-up costs were incurred and a number of people at a neighboring facility complained of respiratory issues as a result of the release. Claims were made for the clean-up costs and bodily injury claims.


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A farmer in California had claims for property damage made against him for contracting services when the herbicide being used was over sprayed onto a neighboring farm resulting in damage to the neighbor’s crops. A claim was made for the value of the damaged crops.


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A claim was made by the owners of a farm producing berries when a windstorm resulted in a large fuel spill affecting the area. As a result clean-up including monitoring and testing of groundwater were required. A claim was made for clean-up costs and business interruption as the processing facility was closed for 4 days as a result of the remediation efforts.


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A farmer was sued by a neighbor from a nearby residential development alleging that the fumes/odors from the spread of manure and other herbicides/pesticides caused her to suffer migraine headaches and other related health problems. As a result a claim was made for defense and indemnification for the bodily injury lawsuit.


  Download the Agricultural Business Claims Scenarios

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Our team of experienced underwriters, dedicated claims handling unit and technical support staff understands the unique environmental exposures depicted above and can help tailor a policy to find acceptable coverage and claim solutions for your clients!

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The claim scenarios in this newsletter are provided to illustrate the variety of environmental exposures faced by your clients. The facts of any situation which may actually arise and the terms, conditions, exclusions, and limitations in any policy in effect at that time are unique. Thus, no representation is made that any specific insurance coverage applies to the above claim scenarios.

Any insurance product and coverage descriptions in this newsletter are summarized. Please refer to the actual policy declarations and policy form for a complete description of all applicable terms, conditions, limits and exclusions. The insurance products described in this newsletter may not be available in all jurisdictions. Products are underwritten by Great American E & S Insurance Company, a surplus lines insurers. We also have the ability, in many states, to offer admitted paper through Great American Insurance Company, following the applicable state’s deregulation or exemption guidelines. The information presented herein is not intended as a solicitation or offer to sell any insurance product in any jurisdiction in which such solicitation or offer, or any sale or purchase of the described insurance products would be unlawful under the insurance laws and regulations of such jurisdiction.