Getting homeowners insurance if we sell broiler chickens

[Ascholten]

Warning: Chickens are DANGEROUS !!
They will provide this evil ancient martial martial arts tactic known as the Hunch and Crunch.. See they will sprint with LIGHTNING SPEED !! right in front of you and set up camp, innocently spreading their back wings, tilted down like they werre just laying there hours and HOURS in the sun,and then YOU came around and kicked them for NO reason. Or they will hang around, making weeds, flowers, sticks, bend in enough way to get in yo9ur path so you have to alter parth and drop what you are carrying. seed, it's grounded, treats, oh they are all over, gravel. oh it's part of the chicken track now @@ Then as an added memento of their thanks, they will leave a steaming stanley steamer right on top of it to say thank you for all you DOO..
Aaron

 

[AgnesGray]

A, above, exaggerates only slightly here.
It's really important to have insurance, especially liability insurance, that actually covers what you have and are doing. We have a farm policy with Hastings Mutual, with umbrella liability, that covers what we have. Travelers won't cover poultry, except 'maybe' a very few pet hens. It's funny, because that company does cover cattle and horses, with no questions about numbers, or the presence of bulls or stallions. Nutty, but was true at least last year! And horses and cattle kill people annually...
Be truthful when you contact insurers, because having a claim denied won't be good.
Mary

It's still the same with many companies who do farm liability. Poultry for whatever reason is in the "danger" zone. Very good advice to have an umbrella as well for an added layer of protection.

We were very fortunate to be able to add farm liability and property to our homeowners insurance, but I don't know of many companies who will do that.

 

[Ascholten]

Poultry is one of those areas, where people who love to play the whiplash wang, hoping to get a paycheck, can easily score. YOU can mess up in a lot of places and it gets tainted, salmonella, stuff like that, OR the moron who bought it leaves it on the $#% table overnight THEN cooks it the next afternoon, gets sick then wants to sue YOU, because YOU sold him bad chicken, and it's worth 50G's to him and his $#^%$ $## lawyer. Since it's so hard to prove YOU were not the problem, (well you can prove it but it's LOT of money, probably the cost of your entire operation by the time you are done with the cs, mf, pos, nmf's trying to scam you.), the insurance rates are high, as, sadly, a way to try to dissuade you. The big boys already have lawyers on retainer who know how to slap these maggots down who try to game them, YOU do not. You will find this in pretty much any and every industry. They go out of their way to make it as difficult for the 'small business' to succeed.

If you think eggs are bad, try selling fresh milk, that is straight up Mafia bs right there.

Aaron