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Old Farmers Almanac Forecast: APRIL 2015
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  Spring 2015

Daniel F. Dwyer III Dear Agribusiness Owner,  


We support farming as a business, a lifestyle and a calling. That's why we proudly offer Nationwide's AgriChoice® Insurance to protect you and your farm-based businesses. 


Nationwide used 100+ years of experience protecting agriculture to develop their AgriChoice® insurance policy, designed for traditional production farms and ranches. It starts with a base policy to protect farm homes, buildings, machinery, equipment and livestock - protection most farm operations require. A variety of optional coverages are available to tailor your policy to the exact needs of your farm. That way, you only pay for the protection you need, and not for coverages you don't.


Among the farm-based business coverages we offer are:  

  • Dairy
  • Livestock
  • Poultry
  • Row Crop
  • Equine with optional endorsements for:
    • Boarding, Breeding and Training
  • Commercial
  • Agritorism with optional endorsements for:
    • Roadside Stands, Farmers Market Sales, Incidental Hunting Activity, Select Your Own Christmas Tree, Harvest Festivals, Haunted Houses, Corn Mazes, Hay Rides, Pick Your Own and Petting Zoos
  • Property & Farm Structures including:
    • Barns, Hen Houses, Dairy Parlors, Silos, Pens and Fencing, Machinery and Equipment
  • Vehicles
    • Autos, Trucks and Tractors

If the general public comes onto your farm Nationwide's AgriChoice®, can provide additional liability protection including coverage for:


  • An animal reacting unpredictably and injuring someone
  • Legal costs if you face allegations of animal cruelty
  • Your animals if they are struck by a motor vehicle, train or accidentally shot.
  • If one of your animals wanders onto the road and causes an accident
  • Damage to rented or borrowed equipment
  • Your Hay
  • Pollution Liability


We support farmers like you who work hard to feed your family and the world. We want to be your insurance partner-- an adviser you can trust to help protect what you value most.


Let's talk about how we can help protect your farm. Call me today at 401-846-9629.



Dan Dwyer


Are Your AGRITOURISM Activities Covered by Your Farm Insurance Policy?

Escobar's Corn Maze The U.S. Department of Agriculture estimates that 52,000 U.S. farms - or 2.5% of total farms - earn income from agritourism. The attractiveness of agritourism continues to grow as more consumers turn to local farmers and ranchers for fresh, organic or naturally grown products, as well as for interactive social, educational and outdoor activities.


The terms "agritourism" and "agritainment" encompass a spectrum of activities, ranging from on-farm stores to corn mazes. Petting zoos, haunted houses, hayrides and summer festivals are other examples of attractions that bring increasing numbers of urban dwellers onto farms for leisure, education and entertainment.


Rewards & Risks

Besides the positive monetary impact, agritourism increases the public's understanding of, and appreciation for, the role of farming in the American economy and food supply. It's important, however, for farmers to understand the increased liability that comes with inviting the public onto their premises. Legal responsibilities for agritourism exposures are unique. "Studies have shown that farming is one of the nation's most dangerous occupations," says Jerry Hillard, Farm Sales Director, Nationwide Agribusiness. "That risk increases dramatically when producers market their farms to attract the public. And the risks are especially high when children are involved."


Apple Picking Talk to Us!

Farmers who offer agritourism activities need to discuss their specific types of businesses with their insurance agent. "It's important they get coverage for the activities they conduct on their farm premises. Usually, the policy that provides liability for the farm business does not extend to liability from other profit-making activities," says Hillard.


"Nationwide Agribusiness is rooted in agriculture, with strong ties to the Farm Bureau. Our company recognizes we must make changes to continue properly serving our policyholders," adds Hillard. "We offer liability coverages that can be written as a package, in conjunction with a farm policy, to cover agritourism or agritainment ventures."


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Content Source: Nationwide Agribusiness. Copyright 2015

D. F. Dwyer Insurance Agency
38 Bellevue Avenue | Newport RI 02840
2623 East Main Road | Portsmouth RI 02871
401-846-9629 | DFDwyer.com