Assessing liability risks with animals and associated activities

Many 4-H families may not consider themselves as a farm or in need of a farm liability policy if they reside with a few animals on a small acreage. Others may own 4-H animals while keeping the animals at a nearby location enabling them to meet and monitor daily animal needs while living in town.

All 4-H livestock families or for that matter anyone with animals, need to consider risk. This includes both livestock and companion animals. Have you ever had a talk with your insurance agent about livestock or ATV liability risks for example?

A sheep, goat, calf, pig, llama, alpaca … we have all been there pursuing an escaped animal … could escape from your home premise resulting in harm or injury to another person. Perhaps property damage to the neighbor’s garden occurred, though it would be far worse if personal injury occurred. Any animal in the road could cause harm to the vehicle or its driver while escaping at home.

Now the not as obvious. What if your animal escapes at the county fair or another exhibition event causing injury? Did you know such losses are not covered by the fair association’s or event organizations policy? Legally, the owner of the animal would be liable in these situations. While others may be named in litigation, the primary responsibility lies with the animal owner.

The typical homeowner policy would not cover these situations either. In many cases, a small farm liability policy would be good to consider for those with 4-H animals or even those with ATV’s to mitigate family financial loss should an incident occur. A small farm liability policy can be as low as $30-50 per year while being a rider for a homeowner’s policy or an additional policy endorsement.

Examples of possible situations include, livestock that escape and are struck on the roadway by a car causing injury to an individual or vehicular damage. A person could be kicked, knocked down or otherwise hurt by your animal while you are at the fair or other exposition causing injury.

ATV’s or similar vehicles present the same issues in that families bring the vehicles to the fairgrounds participating in 4-H meetings. Should a 4-H’er accidentally injure someone while on the ATV, the farm liability policy would help to provide protection if the policy is appropriately designed.

Too often people only consider the optional coverage of theft or damage to equipment like an ATV. The reality is that an ATV for example could be replaced for several thousand dollars while a liability claiming harm from an ATV could cost tens or hundreds of thousand dollars. In retrospect, farm liability policies are inexpensive for the coverage. It would be highly recommended that all 4-H families with animals or those participating in ATV have a talk with their agent to make sure they are adequately covered. These items need to be listed and covered or endorsed separately on a policy.

Visit www.extension.purdue.edu/putnam or you can contact the local Purdue Extension Office by calling 653-8411 for more information regarding this week’s column topic or to RSVP for upcoming events. It is always best to make contact first to assure items are ready when you arrive and to RSVP for programs. While many publications are free, some do have a fee.

Upcoming Events

May 16 -- Healthy Aging Program, Purdue Extension Office, 5 p.m.

May 25 – What Women in Agriculture Need to Know about Personal Finance webinar, noon. Register at https://ag.purdue.edu/Extension/wia/Pages/webinars.aspx.

May 25 - Gardener Gatherings: Basics of Having Trees, Extension Office, 6:30-7:30 p.m. Register at 653-8411.

June 1 – Sewing 4-H Workshop, Extension Office, 6:30 p.m.

June 6 – Photography 4-H Workshop, Extension Office, 6:30 p.m.

June 6 – Wood Science/Craft 4-H Workshop, Steve Lien shop, 6 p.m.

June 8 – Fine Arts 4-H Workshop, York Automotive Building, Fairgrounds, 9 a.m.

June 8 – Public Speaking/Demo 4-H Workshop, York Automotive Building, Fairgrounds, 10 a.m.

June 13 – Electricity 4-H Workshop, Harris Hall, 9 a.m. – noon

June 13 – Cake Decorating 4-H Workshop, Harris Hall, 6-8 p.m.

June 15 – Genealogy 4-H Workshop, Extension Office, 6:30 p.m.