Do Tractor Policies Protect Against Damage and Theft?

The main protections offered by most tractor policies relate to damage and theft. Most policies come with coverages that insure the tractor against damage or loss in covered incidents, which might include accidents, falling objects (e.g. trees or hail), vandalism, theft and other perils.

Should a tractor be damaged or destroyed in a covered incident, a tractor policy will usually pay the cost of repairing or replacing the tractor (less any deductible that applies).

Do Tractor Policies Protect Against Injuries and Property Damage?

While tractors are valuable pieces of equipment, they’re also potentially dangerous pieces of equipment. There are hundreds of tractor-related deaths each year, and many more people are injured. Accidents involving tractors also sometimes result in property damage.

Despite the injury and property damage risks associated with tractors, however, most tractor policies don’t come with liability protection. Instead, injuries and property damage that a tractor causes usually fall under the domain of workers compensation coverage, general liability coverage or other coverages included in a farm insurance policy.

How Can Vermont Farms Get Tractor Insurance?

If you have a farm tractor to insure, contact the independent insurance agents at Paige & Campbell Insurance. Our agents can compare tractor insurance policies from several insurance companies in Vermont, and we have the expertise necessary to help you select the best available one. With our guidance, you can be confident that your tractor is well protected against a range of risks.