Insurance Products

HERO Assurance, a subsidiary of HERO Farmed Cooperative, provides cost effective and comprehensive property casualty insurance coverage for member farms and farmers as well as our retail co-op members accessing insurance via HERO.

Currently HERO Assurance offers Property & Casualty insurance, crop insurance to farmers and affinity insurance to our consumer members. We are also exploring additional types of insurance coverage for our valued customers and expect to share those offerings soon.

Property & Casualty Insurance Products

Commercial Property

Protect your farm’s buildings, equipment, inventory, and other physical assets

Crop

Coverage for crops subject to the vagaries of weather, pests, and general contamination

Commercial General Liability

Protect your business against liability claims for bodily injury or property damage arising from business operations

Livestock Risk Protection

Livestock Risk Protection (LRP) is a federally subsidized risk-management program designed to insure against a decline in livestock market prices

Inland Marine

Protects your business from loss or damage to equipment, machinery, products, or other property and goods transported over land

Professional Liability

Also known as E&O (Errors & Omissions), this covers claims relating to negligence or poor performance of professional duties

Umbrella Policy

Cover additional liabilities beyond the standard insurance offerings such as homeowners or auto

Boiler & Machinery

Coverage for damage to boilers, machinery, and other equipment

Business Interruption

Protection from lost income and coverage of operating expenses during periods of interruption caused by covered events

Auto

Coverage for damage to vehicles and liabilities for injuries or property damage caused by an insured driver

Workers’ Compensation

Cover employees’ medical expenses and lost wages due to work-related injuries or illnesses

Renter

In addition to coverage for damage and/or loss of a tenant’s personal property, this protects with liability coverage as well

Flood & Earthquake

Protect your business from damage caused by flooding or earthquakes which can often be excluded from standard property insurance policies

Homeowners

Coverage for damage to a home and its contents along with any injuries that may occur on the property

Affinity Insurance

In addition to the above, we have begun offering affinity insurance to HERO members. Affinity products are usually offered to large groups where constituents have shared interest (like within a coop like HERO Farmed.) We can tailor offerings to satisfy specific HERO member needs.

HERO can capitalize on group discounts and tailored coverage options to help the larger group. HERO’s buying power and member common characteristics help us attain great coverage at reasonable prices. Examples of affinity insurance products include, but are not limited to:

Dental
Accidental Death & Dismemberment
Accidental Medical Equipment
Travel Insurance

(404) 482-2244