Serving families, businesses, and farmers in Vermont, New Hampshire, and New York Since 1993.
More Insurance, Fewer Hassles
Insurance is something you really don’t think much about in your day-to-day life. You know you need to have coverage for your car or on your home and you buy it so you can check that box off and move on with your life. In that life you are building a family or maybe a business, and hopefully a legacy of prosperity that you are focused on creating. We get it. At The Fewer Agency, our job is your insurance. We care very much about this so you don’t have to. We take the time to find out what you need to protect and we cover it appropriately so the legacy you are creating is never in jeopardy by having an unforeseen event threaten what you have worked so hard to build.
Since 1993 we have been guiding individuals, families and businesses in our Central and Southern Vermont communities and surrounding areas to help them have the coverage they need when they need it most. We provide the personal, local attention you deserve to really understand your situation and insurance needs—try finding that online! We view each situation as unique and deserving of our focused and professional attention so we can craft your policies to cover only what you specifically want and need. As an independent agency we compare a variety of options from many of the nation’s top insurance carriers so you don’t have to. We then take the time to explain what your options are, always looking for ways to keep it cost effective with only the coverages you need. And when the unexpected happens and you need to use your coverage, we are also here to guide and advise you too. Our team at The Fewer Agency really does take the hassles out of insurance so you can focus on the things that you value most. More insurance, fewer hassles.
Be Selective with Our Solutions
The Fewer Agency is here to offer insurance by industry, business insurance, and personal insurance to help you protect what matters.
Why Should You Choose The Fewer Agency?
3 Time Winner Times Argus “Best of the Best” Award
We Utilize Dozens of the Top Carriers
Our Agents are Specialists in our Fields
Passionate About Insurance for Over 30 Years
An Independent Agency Gives You More Options and Exceptional Prices
We proudly represent Nationwide, Concord Group, Progressive, Safeco, and many more top carriers!
Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.
If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.
Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.
To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.
Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.
Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.
During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.
Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.
Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.
It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.
What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?
A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.
If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.
To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.
Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.
To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.
There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?
You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.
If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.
Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.
If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.
Be sure you have coverage to help pay for repairs or other service work for broken glass.
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Serving Vermont and Beyond
The Fewer Agency works directly with our Central Vermont Neighbors from our Barre, VT office, and Southern Vermont and New Hampshire from our Brattleboro, VT office.
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Already a client of The Fewer Agency? Visit our Service Center to make requests and manage your insurance.
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