Your home and your business sit on one policy, and neither of them is ordinary.
We write farms and ranches as one package, because the property is one property: the dwelling, the outbuildings, the machinery, the livestock and the liability.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What farm businesses actually need.
Dwelling and outbuildings
The farmhouse, barns, shops, silos and storage, on one schedule.
Without it — A homeowners policy excludes the farming, and a commercial policy excludes the home.
Farm machinery and equipment
Tractors, combines, implements and irrigation, in the field and in transit.
Without it — A single combine can be worth more than the buildings around it.
Livestock
Death or destruction of animals, by named perils or on a broader basis.
Without it — Lightning, flood and a barn fire are the classic multi-head losses.
Farm liability
Injury on the property and damage arising from farming operations.
Without it — General liability forms are written for premises, not for livestock and machinery.
Farm auto and hired labor
Trucks and trailers on the road, plus workers comp for hired hands. A farm plate lifts the federal driver rules off the truck and nothing off the insurance.
Without it — Farm labor rules differ by state and seasonal crews are still crews.
Pollution and chemical drift
Spray drift onto a neighbor’s crop, and fuel or chemical release.
Without it — Pollution is excluded from property and liability alike.
Businesses like this one, with their own page.
Every one of these is written for that specific operation — the coverages it needs, the questions underwriters ask it, and what it usually gets wrong.
- Equine Businesses
Most states have an equine activity liability act that says riders accept the inherent risks of being around horses. What the statutes do not do is stop a claim from being filed, and they all carry exceptions for faulty tack, a horse matched badly to a rider and a hazard the operator knew about. Equine liability is the policy that defends those claims for boarding barns, riding instructors, trainers, trail outfitters, therapeutic riding programs and horse shows, and the application asks about every one of those activities separately because each is rated on its own. We place them alongside the property, the mortality coverage on the horses, and the workers compensation the barn staff need.
What our farm clients ask us.
Why can’t I just have homeowners plus a business policy?
Because the two exclude each other at exactly the point where a farm lives. A homeowners policy excludes business pursuits, which is the farming; a commercial policy excludes the dwelling. Put them side by side and the gap sits over the thing you actually own: the tractor parked beside the house, the barn used for both, the visitor who came to buy eggs. A farm package is one policy written to cover the whole property, and it is cheaper than two policies that each leave the other’s half out.
We do agritourism: pick-your-own, a corn maze, weddings in the barn. Does that change things?
Substantially, and it is the fastest-growing gap in this class. The moment the paying public is on the property you have a premises liability exposure a farm policy does not contemplate, and many farm forms exclude it outright. Hayrides, mazes, petting areas, farm stays and barn weddings each get asked about separately, and a barn hosting events is being used as an assembly building whatever it was built as. Tell us what you actually run. It is placeable, and it is not covered by silence.
How is farm equipment valued?
On a schedule, and it is worth arguing about before a loss rather than after. Newer machinery is usually written at replacement cost or an agreed value; older equipment often defaults to actual cash value, which on a twenty-year-old tractor is a fraction of what replacing it costs in a market where used equipment has held its price. Schedule the big units individually with current values, and review annually. This is one of the more common places a farm turns out to be underinsured.
Does it cover the crop?
Generally not. Crop insurance is a separate federal program administered through approved providers, with its own deadlines and its own rules, and a farm package does not include it. What the farm policy covers is harvested crop in storage, and that is a different thing from a growing crop lost to drought or hail. Keep the two conversations separate and mind the federal sales closing dates, because they do not move.
What about spray drift onto a neighbor?
A real and specifically excluded exposure. Chemical drift damaging a neighbor’s crop, organic certification or livestock is pollution, and pollution is excluded from both property and general liability. It needs a pollution or chemical drift endorsement, and applicators will also be asked about licensing, records and buffer practices. Drift claims are frequent, they are neighbourly disputes that turn legal, and the coverage is inexpensive relative to the argument.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.
Handed a lease, a vendor packet or a client contract with insurance requirements? Paste it into the COI Requirements Decoder to see what each one means for your business, or read what the requirements mean.