TWIW insurance specialists use their extensive experience and industry know-how to look after the interests of every business sector—from family run farms and ranches to wineries and complex commercial agribusiness; from row crops to dairies and harvesting contracts.
Our seasoned professionals understand the challenges faced by today’s agribusiness owners and know which risks can threaten your future growth. We ask the right questions and analyze all aspects of your business to determine the type and level of coverage you need. Does your business include foreign distribution? Does your liability cover loss or product recall? Do you know which crop sprays require advance notice to the county before use? We get answers. Then we secure the right coverage to protect your business…and your future.
Once coverage is in place, our agency works attentively to minimize inherent liability exposures and ensure your long-term success. We develop and implement guidelines for safety, property, general liability, lock out/tag out procedures and equipment handling. We make sure your buildings are properly valued and your mobile equipment is covered to actual cash. We help identify potential hazards to ensure your compliance with state and federal regulations. We coordinate safety and educational meetings and maintain a library of videos that review safety procedures for your business.
We offer one of the most comprehensive agribusiness products in California, broad and flexible enough to cover most exposures and operations under one policy. This one-stop process simplifies the paperwork and billing to give you a clear understanding of what coverage is being provided.
Our package policy can include:
• Blanket Buildings, Personal Property, Livestock
• Replacement Cost Value
• Debris Removal
• Building Ordinance of Law:
Loss to Undamaged Portion of Building
Demolition Cost/Increased Cost of
• Boiler & Machinery
• Mobile Equipment
• Tank leakage
• Business Income
• Care Custody & Control
• Product Recall
• Impairment Liability (EIL)
• Chemical Drift & Aircraft Spraying
• Employee Dishonesty
• Environmental Liability
• Errors & Omissions (E&O)
• Animal Mortality
• ERISA Endorsement
• Commercial General Liability
• Products / Completed Operations
• Limited World Wide Liability
• Foreign Liability Coverage
• Farm Employers Liability (FEL)
• Employee Benefits Liability