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Farm Insurance

Safeguarding Your Land, Your Livelihood, and Your Lifestyle

With first-hand experience insuring farms across the nation and
personal involvement within the farming community, we have a
deep understanding of your unique responsibilities.

With first-hand experience insuring farms across the nation and personal involvement within the farming community, we have a deep understanding of your unique responsibilities.

 
 

What is Farm Insurance?

Farm Insurance is a fusion of personal and business coverages,
specifically targeting for-profit farm owners. As the property
sometimes serves as a home and a business, it's critical to protect both personal and commercial operations.

We are proud to offer risk-management expertise to a
wide range of farms and ranches, including:

Sod Farms, Row Crop Farms, Dairy Farms, Poultry Farms, Hobby Farms,
Livestock Ranches, Agritourism Farms, Commercial Farms, and Agribusinesses.
 
 

What is Farm Insurance?

Farm Insurance is a fusion of personal and business coverages, specifically targeting for-profit farm owners. As the property sometimes serves as a home and a business, it's critical to protect both personal and commercial operations.

We are proud to offer risk-management expertise to a wide range of farms and ranches, including:

Sod Farms, Row Crop Farms, Dairy Farms, Poultry Farms, Hobby Farms, Livestock Ranches, Agritourism Farms, Commercial Farms, and Agribusinesses.

Providing Solutions for Your Unique Liabilities

Your industry holds a few distinct liability gaps:


Nature of the Job

Depending on the equipment and animals you raise, there are aspects of your job that are inherently more dangerous.

Uncontrollable Elements

There are certain things we simply cannot control (weather, animal instinct, etc.). These unforeseen elements can directly impact your day-to-day operations and productivity.

Widespread Reach

Depending on your type of farm and production practices, you may hold liability to the public, environment,
and employees.

Providing Solutions for Your Unique Liabilities

Your industry holds a few distinct liability gaps:


Nature of the Job

Depending on the equipment and animals you raise, there are aspects of your job that are inherently more dangerous.

Uncontrollable Elements

There are certain things we simply cannot control (weather, animal instinct, etc.). These unforeseen elements can directly impact your day-to-day operations and productivity.

Widespread Reach

Depending on your type of farm and production practices, you may hold liability to the public, environment, and employees.

Get a Free Commercial Insurance Quote

Commercial Coverages for Farms & Ranches

Generally, your base policy will include protection in 4 broad areas:

 

1

Personal Property

2

Farm/Ranch Property

3

Product and/or Livestock

4

Liabilities

 

However, Commercial Insurance is complex and needs to be tailored to your homestead.
We always recommend that you connect with one of our experts and refer to
your policy for specific coverage details.

Commercial Coverages for Farms & Ranches

Generally, your base policy will include protection in 4 broad areas:

Personal Property, Farm/Ranch Property, Product and/or Livestock, Liabilities

However, Commercial Insurance is complex and needs to be tailored to your homestead. We always recommend that you connect with one of our experts and refer to your policy for specific coverage details.

Dwelling & Farm Personal
Property Coverage

Coverage to repair physical home structure and personal property inside your home or on your land in case of a covered event. Some policies even cover livestock.
Although your farmhouse proved strong and protected your family in a tornado, it did suffer damages – fallen light fixtures, cracked foundation and walls, and damaged furniture and art. This property coverage can indemnify you, so that your home is safe and livable again.

Dwelling & Farm Personal Property Coverage

Coverage to repair physical home structure and personal property inside your home or on your land in case of a covered event. Some policies even cover livestock.
Although your farmhouse proved strong and protected your family in a tornado, it did suffer damages – fallen light fixtures, cracked foundation and walls, and damaged furniture and art. This property coverage can indemnify you, so that your home is safe and livable again.

Other Structure Coverage

Coverage for detached structures on your property. This could include sheds, fences, barns, stables, chicken houses, just to name a few.
One of your sheds caught fire. Thankfully, you were able to intervene before anyone was hurt.However, your shed is damaged and your equipment, including a 6-month supply of chicken feed, was lost. Structure coverage will help you rebuild your shed. You will also utilize personal property coverage (see below) to help you replace your lost inventory.

Other Structure Coverage

Coverage for detached structures on your property. This could include sheds, fences, barns, stables, chicken houses, just to name a few.
One of your sheds caught fire. Thankfully, you were able to intervene before anyone was hurt. However, your shed is damaged and your equipment, including a 6-month supply of chicken feed, was lost. Structure coverage will help you rebuild your shed. You will also utilize personal property coverage (see below) to help you replace your lost inventory.

General Liability

Covers medical and/or legal expenses if someone gets harmed at your place of business.
While a group of students were touring your cattle ranch, a child got too close to a cow and was kicked and injured. Not only could you have to cover their medical bill, but also potential legal costs if the parents try to sue.

General Liability

Covers medical and/or legal expenses if someone gets harmed at your place of business.
While a group of students were touring your cattle ranch, a child got too close to a cow and was kicked and injured. Not only could you have to cover their medical bill, but also potential legal costs if the parents try to sue.

Pollution Liability

Modern farming requires chemicals such as fertilizers, pesticides, and herbicides. Most policies exclude liability from these unless specifically purchased.
Your neighbor claims that the waste from your livestock is seeping onto their property and contaminating their source of water. They're suing you for negligence and contamination of their property. This liability coverage can give you the financial support to fight this legal battle.

Pollution Liability

Modern farming requires chemicals such as fertilizers, pesticides, and herbicides. Most policies exclude liability from these unless specifically purchased.
Your neighbor claims that the waste from your livestock is seeping onto their property and contaminating their source of water. They're suing you for negligence and contamination of their property. This liability coverage can give you the financial support to fight this legal battle.

Product Liability

Covers the physical product you are selling in case it is defective and leads to harm.
You landed an incredible opportunity to sell your lettuce at your local grocer. Unfortunately, multiple customers complained of illness and insisted it traced back to your lettuce. If an investigation were to find salmonella you will need the financial backing for lost inventory and potential lawsuits.

Product Liability

Covers the physical product you are selling in case it is defective and leads to harm.
You landed an incredible opportunity to sell your lettuce at your local grocer. Unfortunately, multiple customers complained of illness and insisted it traced back to your lettuce. If an investigation were to find salmonella you will need the financial backing for lost inventory and potential lawsuits.

Equipment Coverage

Covers the costs of repairing or replacing essential equipment and machinery, such as harvesters, generators, well pumps, sprinklers, etc., that are damaged after a covered event.
Your equipment goes hand-in-hand with your ability to run a productive business. Your new combine is out in a field during a storm and is struck by lightning, leading to substantial damage. This coverage could pay the cost to repair or replace the damaged equipment.

Equipment Coverage

Covers the costs of repairing or replacing essential equipment and machinery, such as harvesters, generators, well pumps, sprinklers, etc., that are damaged after a covered event.
Your equipment goes hand-in-hand with your ability to run a productive business. Your new combine is out in a field during a storm and is struck by lightning, leading to substantial damage. This coverage could pay the cost to repair or replace the damaged equipment.

Livestock Coverage

Protection in case of livestock death due to loading/unloading accidents, fatal collisions, weather incidents, fire, etc.
While unloading cattle from your trailer, one of your bulls lost his footing, fell, and was badly cut. Unfortunately, you had to put him down. He was one of your key breeders. This is costly, as you will need to invest in a new bull.

Livestock Coverage

Protection in case of livestock death due to loading/unloading accidents, fatal collisions, weather incidents, fire, etc.
While unloading cattle from your trailer, one of your bulls lost his footing, fell, and was badly cut. Unfortunately, you had to put him down. He was one of your key breeders. This is costly, as you will need to invest in a new bull.

Ready to Explore Farm Insurance?

Request a Quote OR Connect with an Expert