Effective July 1, 2020 Grinnell made a significant change to the Farm-Guard program that you might have missed. $2,000,000 limit of liability is now available for all basic coverages and optional liability endorsements.

Agents currently have binding authority up to $2 million under a Personal Umbrella or Farm Umbrella policy. Under the Direct Farm-Guard program, agents will also have binding authority up to $2 million.

NOTE: The $2 million limit will not be available on a policy where the named insured has one or more employees not covered by a workers’ compensation policy.

Per Guideline 105, Binding Authority. A workers’ compensation policy is required in order to bind the $2,000,000 occurrence liability limit if the named insured has one or more employees.