Missouri Poultry Farm & Builders Risk Insurance

The PGA Program is a poultry-specific farm property program, not a standard farm policy stretched to fit a poultry house. Here is what is in it, explained plainly:

Special / Open Peril Coverage Form. Most "named peril" policies only cover a specific list of causes of loss -- if what happened to you is not on that list, you are not covered. Special / Open Peril flips that: everything is covered unless it is specifically excluded.

115% Replacement Cost. If you have a loss and rebuilding costs have climbed since your policy was written, the PGA Program pays up to 15% above your stated policy limit to help close that gap. This is a property valuation cushion only -- it is separate from Equipment Breakdown coverage below.

2-3% Wind/Hail Deductible. Compare that to the 5-10% wind/hail deductible common on standard farm policies. That difference stays in your pocket after a storm claim.

Equipment Breakdown Coverage. Fans, generators, feeders, water systems, ventilation controls -- any sudden mechanical or electrical failure. Covers up to $150,000 per breakdown event, plus $50,000 in business income protection, generators included. Your integrator contract requires that equipment to run -- this protects that obligation.

Business Income Coverage. You set your own limit. Claims pay on an actual loss sustained basis, with a 72-hour waiting period and no arbitrary time restriction.

Dwellings and Homes. Your coverage is not limited to the poultry houses -- the dwellings and homes on your property are covered too.

What is not covered. Birds and animals belong to the integrator, not you, so they are never part of this policy. Flood is excluded, no exceptions.

If you are adding houses or building new anywhere in southwest Missouri, your existing farm property policy does not cover a structure while it is still under construction. That is a separate, short-term policy called builders risk.

The PGA builders risk program is poultry-only, with a same-day certificate of insurance for your lender, coverage in place before your first construction draw, correct mortgagee and loss payee naming, and 30 days' notice if the policy is ever cancelled. The term runs 12 months and rolls directly into your permanent PGA farm property program at completion -- no gap in coverage and no new binder needed at turnover.

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