Good Drivers are Responsible Drivers.

Having proper Auto Insurance ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen. At Birch Creek Insurance, we combine premium Auto Insurance with personalized service to give you the best coverage possible. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs – for peace-of-mind driving assurance. As your trusted source for car insurance, Birch Creek Insurance offers a variety of coverage and additional protection options, such as:

• Liability Coverage
• Comprehensive Coverage
• Collision Coverage
• Uninsured & Underinsured Motorist Coverage
• Diminishing Deductible
• Accident Forgiveness
• Minor Violation Forgiveness
• Roadside Assistance
• Specialty Auto Insurance
• 24-Hour Customer Service
• Towing
• Rental Reimbursement
• Personal Injury Protection (PIP)
• Mexican Auto Insurance
• SR22 Insurance
• Medical Payments Coverage

Why Auto Insurance?

If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues. Keeping your vehicle insured is simply the responsible thing to do, and it’s an essential financial decision that you can’t drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, roadside assistance, and much more. Since policies vary with protection options, it’s important to talk to a specialist at Birch Creek Insurance to create a policy that insures your needs.

Protect Your Home and Everything In It. At Birch Creek Insurance, we know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

Homeowners Insurance

Protect Yourself, Your Home, and Your Finances.

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice. With a Homeowners Liability policy from Birch Creek Insurance, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

• Claims for property damage
• Claims for injury to others (either on or off the premises)
• Liability defense costs
• Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Birch Creek Insurance to determine the right amount of coverage to keep you protected today.

Renters Insurance

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Birch Creek Insurance, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.

Additional Insurance Options

Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.
In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.
Representatives from Birch Creek Insurance are committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Condo Insurance

Protect More Than Just Your Possessions.

For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.
With Condo Insurance from Birch Creek Insurance, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.
A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.
Contact a specialist at Birch Creek Insurance today to determine the right amount of coverage you need to keep your condo insured.

Mobile Home Insurance

Specialized Security for Your Home and Property.

At Birch Creek Insurance, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss. Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:

• Personal Property Protection to pay for loss or damage to most of your personal items
• Family Liability Protection to provide legal representation against injury or property damage claims
• Guest Medical Protection to help cover the medical expenses for visitors injured in your home
• Home & Structure Protection to compensate you for building repairs after a covered accident
• Additional Living Expenses to reimburse you for temporary housing during reconstruction

Additional Benefits for Your Mobile Home

We know how special your mobile or manufactured home is to you, and we’re proud to offer an exceptional insurance policy that’s designed to meet your budget. You may also qualify for extra savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.
Talk with an insurance specialist at Birch Creek Insurance to learn how you can save with Mobile Home Insurance.

Protect your Investment No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Birch Creek Insurance would like to return the favor by giving you the coverage you need to ensure the security of your business.

Commercial property insurance

Protection for Your Business Itself.

Every day, you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That’s why it’s important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy. With a custom Property Insurance policy from Birch Creek Insurance, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

• Your building
• All interior items (desks, furniture, etc.)
• Any outdoor signs on your property
• On-site equipment
• Your inventory

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Additional Business Protection

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverage, contact Birch Creek Insurance today.

Commercial general liability

Critical Assurance for the Protection of Your Business.

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages. At Birch Creek Insurance, we can help you create a policy that’s designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits. Commercial General Liability from Birch Creek Insurance can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Birch Creek Insurance include:

• Premises Liability
• Products and Completed Operations
• Premises Medical
• Fire Legal Liability
• Casualty Coverage

Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

• Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
• Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor – from liquor establishments to office parties/special events.
• Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverage, it’s important to talk with a specialist at Birch Creek Insurance about the best options for your business.

Business Owners Policy (BOP)

Combined Coverage for Special Advantages.

At Birch Creek Insurance, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.
A Business Owners Policy (BOP) from Birch Creek Insurance allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.
The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

• Products and Completed Operations
• Premises Liability
• Premises Medical
• Fire Legal Liability
• Business Income Insurance
• Building and Personal Property Protection
• On-Site Equipment Insurance
• Coverage for Inventory Loss
• Crime Insurance

Find Out if Your Business is Eligible

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Birch Creek Insurance who can help you determine whether a BOP is right for your small or medium-sized business.

Inland marine insurance

Off-Site Protection for Your Valued Assets.

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.
At Birch Creek Insurance, we’re dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we’ll protect certain items, such as:

• Transported Property
• Computer Equipment and Data
• Contractor’s Tools
• Artwork
• Buildings Under Construction

What Inland Marine Can Do for Your Business

No matter what business you’re in, an accident can happen at any time. That’s why it’s important to have an Inland Marine policy from Birch Creek Insurance to provide your business with the appropriate coverage it needs during transit.
Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’s goods or equipment when transported by ocean and air, also known as Ocean Marine.
Contact an Inland Marine specialist at Birch Creek Insurance today to find out how your business can insure its most valuable assets while working or traveling off-site.

Commercial auto insurance

Peace of Mind for Businesses On the Road.

Birch Creek Insurance understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen. To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Birch Creek Insurance, we’ll work with you one-on-one to create a customized policy that may include:

• Bodily Injury Liability
• Medical Payments
• Personal Injury Protection (PIP) Coverage
• Comprehensive Coverage
• Collision Coverage
• GAP Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.
Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’ options with a specialist at Birch Creek Insurance who can help you determine the proper amount of coverage for all your commercial needs.
Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it’s protected with Commercial Auto policy from Birch Creek Insurance.

Protect What Matters Most. Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At Birch Creek Insurance, we’ll work with you to keep your family protected in the event of your untimely death.

Individual Life Insurance

Reassurance for you and your Loved Ones.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing.
Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.
At Birch Creek Insurance, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.

Types of Individual Life Insurance

Birch Creek Insurance offers several different coverage options for your consideration including term life, whole life, and more.
Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.
There are two types of term life insurance:

• Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
• Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
• Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.

Birch Creek Insurance is Here For You.

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs.
An insurance specialist with Birch Creek Insurance will review your current life insurance situation and help you design a policy to plan for the future.
At the end of the day, one of the biggest investments you can make is an investment in yourself.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Group Life Insurance

Your Employees are the Backbone of Your Business.

Having an impressive benefit package is essential for maintaining a happy and productive workforce. Since Life Insurance is the foundation of every health package, employees look to their employer to provide that valuable coverage not only for themselves, but also for their families. At Birch Creek Insurance, we offer a variety of flexible Group Life Insurance solutions that benefit both you and your employees. As an employer, you can enjoy financial advantages such as income-tax deductible premiums and Life Insurance protection at a low group rate. Group Life insurance also can contribute positively to the productivity of your business by reducing employee turnover and strengthening employee morale and loyalty. To learn more about the Group Life Insurance options available to your business, get in touch with a specialist at Birch Creek Insurance. Our professional staff will gather information about your business and help design a plan that fits your needs and objectives for a desirable Group Life plan.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Key Person (Key Men) Insurance

Employees are Valuable Assets Too.

Many companies have important key figures whose expertise and talents are crucial to maintaining profitable and productive business operations. From the savvy and influential executive to the creative thinker behind the company’s greatest ideas, Birch Creek Insurance knows that some talent is simply too difficult to replace.
Key Person, or Key Men, Insurance provides financial support for business owners in the event that death or permanent disability results in the loss of an employee who is essential to business operations. This policy helps assure that business can continue as planned while you look for a suitable replacement. In addition, it affirms the importance of the talent that the Key Person brings to your business.
Several business benefits are built into your Key Person Insurance policy with Birch Creek Insurance, such as:

• Coverage that acts as a business asset for enhancing your company’s creditworthiness
• Cash value of the policy that may be available to your business as a loan if needed
• A policy that can be converted to a retirement bonus for the key employee

At Birch Creek Insurance, our professional and knowledgeable insurance specialists are sensitive to your needs as a business owner and dedicated to providing all of your commercial insurance solutions. Talk to a representative today to learn more about what Key Person Life Insurance can do for your business.

The Road Less Traveled. The thrill of adventure – it’s what owning a recreational vehicle is all about. Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, Birch Creek Insurance offers advanced coverage options to meet the insurance needs of the adventurer in everyone.

Boat Insurance

Cast Your Worries Aside.

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.
With a Boat Owners Insurance policy from Birch Creek Insurance, you can relax and enjoy your time away knowing that you’re properly insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vehicles:

• Yachts
• Performance Boats
• Sail Boats
• Bass Boats
• Jet Skis
• WaveRunners

What Can a Boat Insurance Policy Cover?

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft, as well as its motor against potential loss due to:

• Vandalism
• Collision with another boat or object
• Theft
• Damage caused by uninsured or underinsured boaters

Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available.
In addition, Liability Boat Insurance can help pay for medical expenses or legal costs if you’re at fault in a boating accident. Coverage options include:

• Bodily Injury payments
• Damage to another’s property
• Medical Payments
• Guest Passenger Liability

Additional Coverage Options

At Birch Creek Insurance, we make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat. You may also be eligible for money-saving discounts when you insure multiple watercrafts or combine your Boat and Auto policies. Even simple things like being an accident-free boater and completing a boating safety course can help you save money too.
It’s your passion, your dream. Protect that dream for years to come with the right insurance policy from Birch Creek Insurance. Talk with one of our local insurance specialists today to learn more about Boat Owners Insurance.

Motorcycle Insurance

Protection for the Open Road.

Whether you ride a street bike, cruiser, touring bike, or even a custom chopper, your motorcycle is synonymous with two things: freedom and adventure. You enjoy the freedom and excitement of the open road and long for the adventure it brings, but with adventure comes uncertainty, and with freedom comes responsibility. And while you may not know what lies over the next hill, the right coverage can ensure that you’re prepared for it all.
A Motorcycle Insurance policy from Birch Creek Insurance is designed to be as unique as the bike and the owner it protects. Make sure you choose the protection that’s right for you with a range of coverage options to secure you and your bike, such as:

• Collision Coverage
• Theft
• Vandalism
• Damage caused by Uninsured or Underinsured Motorists
• Bodily Injury Liability
• Property Damage Liability
• Medical Payments Coverage
• Guest Passenger Liability

Additional Motorcycle Coverage Options

At Birch Creek Insurance, our service doesn’t stop when you walk out the door. With special features like additional Roadside Assistance, Towing and Labor Costs, and Replacement coverage for custom parts and equipment, you’ll never be alone on the road. You can even receive multi-policy discounts and safety course rewards to help you combine and save.
Our team of professional insurance representatives will assist you in deciding which Motorcycle Insurance plan is right for you by determining the discounts and special features you may be eligible to receive.
Prepare for whatever the open road may bring with a comprehensive Motorcycle Insurance policy from Birch Creek Insurance.

Motorhome Insurance

It’s More Than a Vehicle. It’s a Lifestyle.

As a motorhome owner, you get the best of both worlds by combining the freedom of the open road with all of the conveniences and amenities you enjoy at home. And just like your home, your recreational vehicle is a big investment that should be protected.
Motorhome Insurance from Birch Creek Insurance is a convenient and affordable way to ensure the safety of you, your passengers, and your belongings on the road.
Your motorhome policy from Birch Creek Insurance is designed to provide the rates you want with the coverage you need, with basic protection options such as:

• Collision Coverage – for loss or damage to your recreational vehicle resulting from an accident
• Comprehensive Coverage – as extra coverage against losses from fire, theft, or vandalism
• Bodily Injury Liability – to pay medical expenses to others after an accident
• Property Damage Liability – for damage caused by you to another person’s property

Extra Protection Matters

For an increased level of security, additional insurance options such as Medical Payments coverage, Emergency Roadside Assistance, and Premium Towing and Labor are also available. Custom equipment such as quality sound or entertainment systems can also be covered for an extra premium.
Birch Creek Insurance wants to ensure that you receive the best insurance solutions at the best price possible. You may be eligible to start saving today with discounts for:

• Association memberships
• Completion of a driver safety course
• Insuring multiple vehicles
• Insuring multiple vehicles

Our team of RV Insurance specialists is ready to discuss your insurance needs and your budget to help design the right policy that keeps you and your motorhome, or travel trailer, safe on the road. Wherever your journeys may take you, rest easy with the peace of mind of Motorhome Insurance from Birch Creek Insurance.

ATV Insurance

Explore the Trails With Confidence.

Your ATV represents a considerable recreation investment. And as you’re riding, the last thing you’ll want to wonder about is whether you have the right insurance coverage. With a customized All-Terrain Vehicle insurance policy from Birch Creek Insurance, you can ride with confidence knowing that you’re properly insured.
No matter what type of vehicle you have, whether you ride a 4-wheeler, dune buggy, or even a golf cart, you can get the ATV Insurance you want and the protection you deserve with specialized coverage options, including:

• Collision Coverage – for damage to your ATV from rocks, trees, and other obstacles or debris
• Comprehensive Coverage – as extra security for loss or damage from theft, fire, or vandalism
• Property Damage – to cover expenses to another person’s property for which you are liable
• Bodily Injury – that pays medical expenses to others if you’re held liable in an accident
• Uninsured Motorist – to protect you from loss or damage caused by uninsured and underinsured riders

Birch Creek Insurance is dedicated to offering you the best possible coverage at a price you can afford. We offer additional ATV coverage for damage to custom equipment that you’ve added to your ATV, along with a medical payments option for yourself and your passengers. You may also be eligible for money-saving discounts when you insure multiple vehicles or if you’ve successfully completed a rider safety course.
Discounts and coverage options can vary according to your location and specifications. Contact one of our licensed insurance professionals to learn more about ATV insurance and how to build a recreational plan that best fits your needs.

Snowmobile Insurance

When the Snow Falls, Make Sure You’re Ready.

Nothing is quite as satisfying as hitting the trails after the first snow. Your snowmobile is your ticket to enjoying the fresh mountain air and exhilarating scenery of the countryside, and while you’re out there in the thick of it all, contemplating whether you have the right insurance should be the last thing on your mind. Birch Creek Insurance offers specialized Snowmobile Insurance at affordable rates, with benefits tailored to meet your specific insurance needs. Whether you’re a beginner or a seasoned veteran, we offer essential coverage for:

• Collision Coverage – to cover damage to your snowmobile from a collision with rocks, trees, ice, and other obstacles
• Comprehensive Coverage – as extended coverage for loss or damage from theft, fire, or vandalism
• Property Damage – to pay for damage to another person’s property for which you are liable
• Bodily Injury Liability – for paying the medical expenses of others if you’re at fault in an accident
• Uninsured Motorist Protection – to insure damage caused by uninsured or underinsured riders

Additional Snowmobile Insurance coverage is also available for any custom equipment that you’ve added to your snowmobile. Medical Payments Coverage to protect yourself and your passengers in the event of an accident is also available for a premium.
Depending on your insurance situation, discounts may also be available for completing rider safety courses or by being a member of certain riding association memberships. A representative from Birch Creek Insurance will review your insurance needs to design the right policy for you and determine your discount eligibility.

Farm Owners Insurance

You’ve Made It Your Living. Keep It Protected.

There are probably a lot of reasons for why you chose to make your living on the farm – from the independence and freedom that comes with owning your own business to knowing the value of a hard day’s work. At Birch Creek Insurance, we’re in the business of seeing yours succeed. We know that your farm or ranch provides a valuable service to the community, and we’d like to return the favor by offering you the comprehensive protection you deserve. A Farm Owners policy from Birch Creek Insurance is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage.

Dwelling

For most people, a farm is more than a place to work – it’s also where you lay your head after a long day. Under the dwelling portion of your Farm Owners policy, Birch Creek Insurance will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.

Personal Property

Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.

Liability

Liability protection from Birch Creek Insurance helps pay for legal fees, medical expenses, and other losses that you may be held liable for that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.

Farm Livestock Insurance

Animals Are Assets Too.

As the owner and operator of an independent farm or ranch, you’ve made a number of investments into your agribusiness – equipment, machinery, and crops. Livestock is also a big investment for farmers and ranchers alike, and like any financial asset, you’ll want to ensure a high-level of security and protection – so your animals will stay covered. At Birch Creek Insurance, we know that the health and safety of your animals directly affects the health and profitability of your farm. Livestock Insurance can protect you and your farm against the financial losses that could occur if your animals are harmed or killed as a result of a covered accident such as a fire, blizzard, or other natural disaster – even when your animals are in transit. Livestock Insurance policies will vary from person to person, farm to farm, and animal to animal. The insurance value of each animal is usually its purchase price, but other factors such as performance level or value of your animal’s offspring can increase that value. A specialist at Birch Creek Insurance can help you determine the right amount of coverage at a price that meets your needs.

Equine Insurance

Live to Ride.

You’ve spent time training, taking care of, and most likely competing with your horse. And as a proud owner, it’s up to you to ensure its safety and well being. Since your horse represents both a financial and emotional investment, medical expenses can be costly. An Equine Insurance policy from Birch Creek Insurance provides coverage for a variety of costs and expenses related to the upkeep of your animal. Our policy options include:

• Full Mortality and Theft – to insure your animals against death as a result of injury, illness, disease, humane destruction, transportation, or theft.
• Major Medical Coverage* – to provide reimbursement for the cost of medical and surgical bills caused by accident, sickness, or disease.
• Loss of Use – for compensation in the event your horse becomes totally and permanently unable to perform the duty for which it was insured.
• Stallion infertility – for coverage in the event your stallion becomes permanently incapable of producing offspring due to an accident, illness, or disease.

Finding the right coverage options for your horse doesn’t have to be difficult. At Birch Creek Insurance, one of our insurance specialists can help educate you on the different coverage options and rates available for your special animal, and together you can build the perfect policy that fits the needs of you and your horse. *Major Medical Coverage is an addition to the Full Mortality policy and cannot be purchased alone.

Farm Equipment Insurance

Keep Your Equipment Running Strong.

As a farmer, you rely on your equipment to run like clockwork. But in the event of equipment breakdown or failure, it can be difficult and expensive to repair. Damaged or broken equipment can easily cost thousands of dollars to replace, which is why Farm Equipment Insurance is just as important to your agribusiness as the equipment itself. At Birch Creek Insurance, we’re dedicated to the success of your farm or ranch, and we understand that equipment breakdown can mean lost income. That’s why we design comprehensive insurance policies to keep farms running smoothly in the event of an accident. Equipment breakdown coverage goes beyond your standard Property Insurance policy to protect against damage caused by power surges, mechanical breakdown, motor burnout, and even operator error. Equipment and machinery included under a Farm Equipment Insurance policy includes, but is not limited to:

• Heating and Cooling Systems
• Production Equipment
• Boilers, Pressure Vessels, and Water Heaters
• Pumps
• Electrical Distribution Systems
• Refrigeration Equipment

Contact Birch Creek Insurance today to find out how a Farm Equipment Insurance policy can keep the productivity of your farm moving.