Off-Premise ATV Liability Coverage: The Farm Protection You Didn’t Know You Needed

On the farm, your ATV is more than just a ride—it’s a workhorse. You use it to haul supplies, check fences, attend farm auctions, and maybe even help a neighbor move equipment.

But once you leave your property, your standard farm policy may not protect you. That’s where Off-Premise ATV Liability Coverage comes in. It’s the safeguard that keeps you covered wherever the job takes you.

Why Standard Farm Policies Aren’t Enough

Many farmers are surprised to learn that their farm insurance only covers ATV use on their own property. If you drive that same ATV down a public road, across a neighbor’s pasture, or into town for an ag event—and something goes wrong—you could be on the hook for:

• Medical bills if someone gets hurt

• Repairs if you damage another person’s property

• Legal fees if you’re sued after an accident

How Off-Premise ATV Liability Coverage Protects You

1. Extended Protection Anywhere You WorkCovers accidents and liability claims that happen away from your farm, whether you’re delivering hay, helping at a 4-H event, or transporting goods to market.

2. Shields Your Farm’s AssetsA single accident could cost thousands. This coverage pays for injury claims, property damage, and even legal defense—so you’re not draining farm savings.

3. Peace of Mind for Community EventsFrom county fairs to cooperative harvest projects, you can participate without worrying that one mishap could jeopardize your financial stability.

4. Custom-Fit for Your OperationEvery farm is different. Your independent insurance agent can tailor this coverage to your off-premise activities, ensuring it’s right for your risks.

The Bottom Line

If your ATV ever leaves your property, you need Off-Premise ATV Liability Coverage. Without it, one accident could mean a lawsuit, unexpected bills, and lost income.

At Goodman Insurance Solutions, we help Kansas farmers protect not just their land, but the tools and equipment they depend on every day—wherever they’re used.

📞 Call 620-531-0261 for a farm policy review and to make sure your ATV is covered, on and off the farm.