With our farm and ranch insurance policies you can find coverage for a broad range of farms from small rural acreages to traditional production farms to the largest farms with commercial exposures. From tractor insurance to livestock insurance, learn about the different types of coverages we offer.
We provide a wide range of commercial agribusiness insurance options, including property insurance, to ensure your company’s building, content and equipment is protected. Get educated on how our policies work to keep your property and business protected today.
Farm equipment is one of a farmer’s biggest investments. Sometimes the biggest. That’s why farm tractor and equipment insurance, combine insurance and other machinery insurance are so important to your operation.
Tractor and farm equipment insurance options
Farm and ranch tractors, combines, sprayers and more can be covered in one of two ways:
- Individually, where each piece of equipment is listed separately on the policy with its own value
- Under a blanket policy, where everything is covered up to a designated amount
Farm liability insurance is a critical component of protecting your farm. No matter how careful you are, accidents can and do happen.Liability insurance can help protect your assets from lawsuits. Which can help save you from losing your business, home, property or investments.As a farmer or rancher, you should consider the different types of liability insurance.
As a livestock farmer or rancher, you understand that unique liability risks are a part of working with animals. You may face these risks if:
- An animal causes an accident on a roadway (our most frequent livestock liability claim)
- An animal reacts unpredictably and someone is injured
- You face allegations of animal cruelty
Talk to us today to see how we can customize coverage for your unique needs.
Livestock insurance covers broad causes of loss protection, including:
- Accidental shootings
- Attacks by dogs or wild animals (except to sheep)
- Earthquakes
- Electrocution
- Floods
- Loading and unloading accidents
- Sudden and accidental fatal collisions
Keep in mind that there may be a limit on the value of any one animal, although higher limits may be available.
The maximum amount payable per head is determined by how your livestock are insured:
- Individual
- Blanket
- Herd
Many farm buildings are actually underinsured. It’s important to review your barn insurance to ensure that values are up-to-date. This includes barns, confinement facilities, dairy parlors, silos, portable buildings, pens, chutes and corral fencing, building materials for use on farm buildings and fixed irrigation equipment.
Talk to your agent to be sure your barn insurance and insurance values for other structures are up-to-date.
Protect your home on the farm with farm homeowners insurance.
A significant part of the protection provided by your farm property insurance is for the home you and your family live in, as well as its contents. Farm house insurance is different from farm insurance in that it protects the dwelling structure itself rather than the farm itself.