Farm Insurance Coverage in WV

to Protect Your Livelihood

Protect Equipment, Crops & Livestock Against Loss

Farmers know the importance and value of working the land, so when a farm is your livelihood, insure its true worth against potential loss with farm insurance from Terry Pennington Agency. Our agents work closely with farmers throughout the West Virginia area. We know the local marketplace in the region, and offer competitive coverage at great rates that make sense to farmers who focus on several types of operations. From small holdings to large cooperative ventures, you want to ensure the smooth continuation of your farm, staff, equipment, crops, and livestock. Contact Terry Pennington Agency online or call our Beckley office at: (304) 255-4006 to request a free quote.


Rural Customers in WV Seek Agricultural Coverage Options

Terry Pennington Agency serves agricultural clients in three states: West Virginia, North Carolina, and Virginia. This regional clout gives us the knowledge and insight to offer coverage you need. Our friendly agents are your neighbors who are sensitive to each client’s individual concerns. We work with you to customize commercial farm insurance coverage that works best for your farm, ranch, or other agricultural business.

  • Crop Insurance
  • Equine Insurance
  • Farm Auto Insurance
  • Farm Owner’s Insurance
  • Farm Livestock Insurance
  • Farm Equipment Insurance
  • Farm Dwelling Insurance
  • Farm Structures Insurance
  • Farm Umbrella Insurance

Explore Farm Umbrella Insurance to Protect Your Hard Work

Terry Pennington Agency provides umbrella insurance policies that cover farms, ranches, and agribusiness throughout the West Virginia, North Carolina, and Virginia region. When your farm is your business, you face a certain amount of risk and uncertainty in your day-to-day operations. While a standard farm owner’s insurance liability covers most liability, you will want to explore farm umbrella insurance to protect you when serious situations arise. Basic policy liability limits are not enough to cover every potential accident. A farm umbrella policy picks up where your other liability coverage stops. It can be an affordable way to provide an extra layer of protection against claims of bodily injury and property damage in scenarios such as:

– Accidents that leave multiple workers in need of costly medical attention
– When an animal escapes and causes an accident or serious damage to another’s property
– If someone sues you for damages resulting from an illness from your products.

With the right farm umbrella coverage options, your business can run steady and with less disruption. With our outstanding claims service, you can rest assured that our professionals will be there for you when you need it most.

Speak with your Terry Pennington agent today to review the best options for your business: (304) 255-4006.

Horse Farms and Ranches Use Equine Insurance

For those farms and ranches that feature horses, Terry Pennington Agency can help you obtain equine insurance. This is important coverage for farms that operate breeding operations, or who spend a significant amount of time training, caring for, or competing in shows, where the wellbeing of these fine animals has a real impact on success. Owners can obtain coverage to ensure the safety, health, and medical expenses with the following:

Major Medical Coverage – provides reimbursement for the cost of medical and surgical bills caused by accident, sickness, or disease. It is an addition to the Full Mortality policy and cannot be purchased alone.
Loss of Use – compensates in the event your horse becomes totally and permanently unable to perform the duty for which it was insured.
Full Mortality and Theft – insures your animals against death due to injury, illness, disease, humane destruction, transportation, or theft.
Stallion Infertility – coverage in the event your stallion becomes permanently incapable of producing offspring due to an accident, illness, or disease.

Terry Pennington agents take pride in working with you on the different coverage options and rates relating to equine insurance or other livestock you may wish to insure.

Shady Spring

Oak Hill
Mount Hope
Glen Jean