The fire destroyed our milk parlor and equipment. Thankfully, our dairy cows survived, and I had insurance coverage to replace the building and equipment. Regrettably my insurance coverage offered no help for the extra expense of moving 1,000 dairy cows to another facility to be milked. I need to maintain a better relationship with my insurance agent - to help identify potential coverage gaps in my farm business.

Extra expense coverage - For the business that needs to stay in operation at all costs, extra expense coverage provides reimbursement for the extra costs it takes to keep the business running.