Farm Insurance

Farmers face many potential risks that could trigger legal liability or lost profits. Farm insurance is essential for helping protect operations from potential losses when the unexpected happens. The following are some of the typical coverage options for a robust farm insurance policy:

General liability insurance may help pay for your farm’s legal liability for third-party injuries and property damage.
Farm dwelling insurance may help cover your home if you live on-site.
Farm structures insurance may help pay to repair or replace buildings on your farm after a covered event.
Farm equipment insurance may help pay to replace or repair covered farm machinery and equipment, including tractors, combines and trailers.
Pollution liability insurance may help cover your legal liability if pollutants from your farm cause illness or injury.
Umbrella insurance may help extend the liability coverage for your farm’s policies.

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. We know that your farm or ranch provides a valuable service to the community, and we would like to return the favor by offering you the comprehensive protection you deserve.

Liability Insurance

A great amount of responsibility goes into running a farm or ranch. From the operation of farm machinery and equipment to the sometimes-unpredictable nature of barnyard animals, farmers are subject to a much higher risk of liability than other property owners. Under a standard Liability Insurance policy, you will have protection to help cover the expenses in which you become legally obligated to pay for bodily injury claims on your property and damages to another person’s property as a result of a covered accident.

Some common liability expenses covered under your policy include:

Attorney fees and court costs
Medical expenses for people injured on your property
Injury or damage to another’s property caused by your animals
Other claims for injury resulting from specific farm operations

We strive to offer insurance solutions to meet the individual needs of you and your business. There are a number of factors that may influence the type of coverage you’ll need, such as the size and type of your farm. Our farm insurance professionals will help you design the right policy to ensure that all of your special interests are protected.

Livestock Insurance

As the owner and operator of an independent farm or ranch, you have 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 will want to ensure a high level of security and protection – so your animals will stay covered.

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 disasters.

Property Insurance:

Farm property insurance protects your buildings and structures, including your home, barns, sheds, and silos, from covered perils like fire, wind, hail, and vandalism. It also covers personal property used in your farm operation, such as tools, equipment, and supplies. We can tailor a policy to fit the specific needs of your farm, ensuring you have the right coverage for your unique situation.

Auto Insurance

Whether you’re hauling grain or transporting livestock, the vehicles you use around the farm are a vital part of your day-to-day operations, and you cannot afford for them not to be working properly. With an Auto Insurance policy, you can protect trucks, personal vehicles or trailers you use to deliver and transport your valuable goods.

Even if you take good care of your farm vehicles, some situations are simply out of your control such as road conditions, bad weather, and other drivers. And in the event that something should happen, that is where your Auto Insurance comes in. We will help you create a policy to fit your unique insurance needs.

Auto Liability
Medical Payments
Collision Coverage
Uninsured & Underinsured Motorist Coverage
Extended Coverage for employees using their vehicles for farm operation

Umbrella Insurance

We know that your farm is your business, like any business owner, you are faced with a certain amount of risk and uncertainty in your day-to-day operations. If an accident happens, in most cases, your standard farm owners insurance liability should take care of you. When serious situations arise, you will want to make sure your business is protected.

Chances are your basic policy liability limits are not enough to cover every potential accident – including serious accidents that come with serious expenses. An Umbrella policy picks up where your other liability coverage stops. It can be an affordable way to provide an extra layer of protection against claims of bodily injury and property damage in scenarios such as:

An accident on your farm that leaves multiple workers in need of costly medical attention
An auto accident that causes death or lifelong injury

With the right farm umbrella coverage options, your business will not have to miss a beat.

Inland Marine/Machinery Insurance:

Inland marine insurance, sometimes called farm machinery insurance, covers your farm equipment and machinery, even when it’s not on your property. This is crucial because farm equipment is often transported for repairs, custom work, or use on other fields. It protects against risks like theft, damage during transport, and accidents. This coverage is separate from your auto or property insurance and is designed specifically for the unique exposures of farm equipment. We can help you determine the appropriate coverage amounts for your valuable machinery to keep your operation running smoothly.