Your Farm Friendly Agency
Stiver has a very diverse experience in all types of Ohio farms from Grain, Dairy, Confinement, Poultry, Specialty, Agritourism and Equine we have them all.
What Makes us Different?
We work hard to be a leader in insuring farms and Agri business from the companies we use to the trainings we receive. Most importantly we are always enhancing our skills and using our prior experiences in the farm insurance business. We are active farmers, ourselves, and that provides us with the knowledge to truly understand the financial risk it takes to be a farmer in Ohio.
At Stiver we strive to provide the best services. We get to know our customers and their families and build a relationship with them. We have many companies we can work with to provide the prices along with the best coverages. Our agents have the knowledge and experience to help with your insurance needs.
Auto
Your auto is valuable to you and you need to have the best coverages available, let us help you find the right protection. We have numerous companies who offers the most current types of coverages to help give you peace of mind when out on the road.
Homeowners
Most often your home is your biggest asset, here at Stiver we have the experience and knowledge to know how to provide the right coverages. We work with many different companies, which gives us the flexibility to find the right fit for your home and needs.
Classic Cars
Your classic auto means a lot and is worth a lot of money, we have the types of policies that give you the specific coverages needed so you can enjoy your classic vehicle at shows, in parades or on the road for an afternoon. Whatever kind of protection you need we can find the right policy for you.
Recreational
When it’s time to enjoy life whether on an ATV, motorcycle, boat or recreational vehicle we can provide the right policy to fit your needs on the road or in water.
Personal Umbrella
Whether it’s just raining outside or you have a serious auto accident or Liability claim an umbrella is there for you. Umbrellas protect you when your underlying policy’s limit has been reached. When your rain coat isn’t enough help to keep the rain off, you get the umbrella out. The same goes for insurance, it’s a back up to the underlying insurance policies you have place- auto, home, motorcycle, etc.
Stiver can help your business to have the best possible coverage and price to insure your business from a storefront, auto repair, manufacture and more. Request a visit with us to find out more.
Business Owners Policy
BOP is an enhanced combination policy that combines general liability & property insurance to protect businesses like shops, mercantile & offices.
Business Auto
Business auto coverage protects risks that business owners faces who own vehicles for the company. Here at Stiver we have many businesses who needs these coverages, we are experienced and knowledgeable to know what types of coverages are necessary.
Commercial Liability
Liability insurance that helps cover medical expenses, attorney fees and damages that your business is legally responsible for.
Commercial Property
Commercial Property insurance covers most financial losses you may experience in the event that property of your business for example- buildings, equipment or outdoor fixtures, gets damaged.
Inland Marine
This type of policy covers transportation of goods over water and inland, basically while it is in transit.
Commercial Umbrella
Extra layer of Liability protection that covers costs that goes beyond your other liability coverage limits.
Annual Farm Visits
At Stiver we visit each policyholder annually to make sure their policy is reflecting their current operation, whether new equipment has been purchased or another barn has been built we strive to make sure there are no gaps in coverages.
These farm visits are crucial to having a top-notch farm policy. Not only is it very important to see that your policy has the correct deductibles and discounts, but to have the proper coverages on all structures and equipment that fits them appropriately to make sure there is no gaps in your policy
Your Farm Friendly Agent
WHY US?
Stiver is truly the expertise in the field when it comes to insuring Ohio farm and agri business to the insurance companies we use are top in the industry for insuring farm & agri business. We are also active farmer ourselves and that provides us with the knowledge to truly understand the financial risk to be a farmer.
We know farms and ranches vary greatly in their size, scope and needs we offer insurance policies for the agribusiness of all sizes and types. We provide customizable protection tailored to each operation, whether it involves Grain, Confinement, Dairy, Equine or Agritourism.
Our farm and ranch packaged policy conveniently combines personal, farm, business property and liability coverages into a single policy simplifying your life and your insurance protection.
General Coverages
- Liability
- Personal/Business
- Farm
- Equine
- Commercial Auto
- Farm/Personal/ Commercial Umbrella
- Fire/Legal
Property
- Equipment Breakdown
- Buildings and Contents
- Livestock
- Farm Machinery
- Farm Income Loss
- Residences and Household Contents
- Personal Property
- Personal Auto
Farm Auto
The coverage you need to insure all auto on the farm from private passenger to farm semis and trailers.
Farm Umbrella
Liability Insurance that goes beyond the limits of the base farm and auto policy. limits available are from 1 to 15 million.
Hemp Growers Program
- Eligible Class
- Liability for Hemp exposure
- Inland Marine
- Equipment Breakdown
At Stiver we provide the very best service for your farms crop insurance needs. We will customize each policy to fit the needs of your farm to maximize coverage but at the same time keep money in your pocket.
MPCI
We offer all Multi Peril Crop Insurance:
- Revenue Protection
- Yield Protection
- Margin Protection
- Pasture-Range and Forage
- County Insurance plans
Private Products
We also offer private products that can added to your existing crop insurance to enhance your coverage or stand alone:
- Crop-Hail
- Re-plant
- Extended Harvest
Over The Top Coverages
We over multiple private products that increase you liability per acre to protect your farming operations on a shallow yield loss:
- Increased coverage election- ICE
- Harvest Max
- Price flex
Important Dates!
(Subject to change)
Corn & Soybeans
March 15 ~ Sales Closing for Corn and Soybeans
April 5th ~ Earliest Plant date to qualify for replant coverage on Corn for Miami, Darke, Jay & Randolph
April 10th ~ Earliest Plant date to qualify for replant coverage on Corn for Shelby, Auglaize, Mercer, Logan & Hardin
April 20th ~ Earliest Plant date to qualify for replant coverage on Soybeans for Miami, Darke, Jay & Randolph
April 22nd ~ Earliest Plant date to qualify for replant coverage on Soybeans for Shelby, Auglaize, Mercer, Logan & Hardin
June 5th ~ Final Plant Date for CORN (late plant period until June 30th)
June 20th ~ Final Plant Date for SOYBEANS (late plant period until July 15th)
July 15th ~ Acreage reporting deadline
September 15th ~ PREMIUM DUE for Corn and Soybeans (interest attaches September 30th)
December 10th ~ End of Insurance Period
Wheat
September 30th ~ Sales Closing for Wheat
October 20th ~ Final Plant Date (late plant period until Oct. 25th)
November 15th ~ Acreage reporting deadline & final correction date
July 1st ~ PREMIUM DUE for Wheat (the following year)
October 30th ~ End of Insurance Period (the following year)
Stiver has the experience and resources to insure specialty farm & ag business in Ohio from agritourism, Commercial Equine, Commercial Ag & more.
Agritourism
We have companies to work with for your agritourism needs including corn mazes, hay rides, petting zoos, pick your own & many more. Be sure to have our experience and resources to properly protect your farm & family where standard farm and homeowners do not cover these types of risks.
Commercial Ag
In Ohio we work with a diverse range of farms from commercial applications, grain elevator, fertilizer to chemical dealers.
Equine
We also can insure in Ohio equine operations from boarding, training, lessons, tack show & shows. Let the experts at Stiver put our experience and resources to work for your Ohio Equine farm to give you the best protections.
Vine & Wine
Local vineyards and wineries are becoming more and more popular, let us help you with the types of coverages & Liquor Liability needed to protect your growing business. We have the products & types of coverages you need to protect your Ohio Vineyard and Winery risk.
Stiver can help you with all Ohio special event needs, whether its Liability coverage, protection from weather or even cancellations we have you covered.
- Fairs
- Weddings
- Tractor pulls
- Ceremonies
- Celebrations
- Events
Give us a call or Request a consultation and see how we can help with your event needs!
We offer Life and health Insurance based on the specific needs of your life. After meeting with you we can work with a company that will match those needs and provide the best policy for you and your family.
Planning for the future has never been more important. By looking ahead at your financial situation and planning accordingly, you can secure your future independence. By working with our agency we can evaluate your current situation, answer any questions, offer honest and professional advice, and help you choose the right financial services to make sure you get where you want to be in the future.