A farm or ranch isn’t like a typical nine-to-five business. Because of this, we offer many options to cover your needs. Farm & ranch lines of coverage are detailed and flexible, so you can get covered for certain things like a farm fire, leasing property, constructing a new farm and more. To begin, here are four lines of coverage that you may want to learn more about!
Our farm & ranch line covers items from farm buildings and structures to employer’s liability and animal collision. The policy can also cover things like farm personal property, dwelling, and personal liability. There are multiple coverage options and features available under this policy that are customizable to fit your needs.
Farm Liability
Farm Liability coverage helps protect you from financial loss if accidents occur on your farm. This includes protection for bodily injury or property damage for which you may be held responsible. It’s especially important if visitors, customers, or delivery personnel come onto your property. Since accidents are inevitable in agriculture, liability coverage is crucial to safeguard your operation and your financial well-being.
Farm Implement
While a Farm & Ranch policy may cover machinery, equipment, supplies, and other property-owned materials, Farm Implement coverage focuses on loss or physical damage to farm implements themselves. This includes combines, hay balers, cotton pickers, plows, seed drills, planters, and more. It also provides liability coverage in case of claims or lawsuits. By insuring your tools and equipment, you’re protecting the success of your daily operations.
Farm Auto (Including Tractors and Trailers)
Your vehicles are essential to life on the farm. Regular auto insurance doesn’t typically cover farm-use vehicles, which is why Farm Auto coverage is so important. It covers vehicles like pickup trucks, farm truck tractors, trailers, and other farm-use equipment. Just like driving a personal car, accidents can happen on the job — and this policy can protect you against collisions, damages, and liability. With flexible options like comprehensive, collision, and liability coverage, you can adjust your policy to meet the exact needs of your operation.
Crop
No matter what crops you grow, protecting them is vital. Crop Insurance covers losses due to unpredictable events such as hailstorms, tornados, pests, disease, or other covered perils. Like Farm & Ranch coverage, Crop Insurance is flexible and detailed, with options that include livestock risk protection, nursery coverage, and annual forage. With this coverage, you can plant and harvest with confidence, knowing your investment is safeguarded.
4-H and FAA Insurance
For ranchers and families involved in 4-H and FFA activities, specialized coverage is available. This protects the assets and activities tied to these programs, helping support young ranchers as they pursue their agricultural passions. Supporting the next generation is an important step in ensuring the sustainability of farming and ranching.
Check out our farm and ranch FAQ’s to learn more about our insurance coverage options. Ensure your farm or ranch has the protection it needs by contacting an agent.
