Coverage as hardworking as your farm
Your land, barns, equipment, livestock, and liability all in one place. We connect you with agricultural specialists who understand the seasons, the risks, and the ways a farm actually operates.
America's Trusted Farmers & Ranchers Insurance Experts
Licensed specialists who know your local requirements and carriers — not a generic national script.
“Our farm has been in the family three generations. They understood it's a home and a business at once, and covered the whole operation without me chasing paperwork.”
The Halversons · Family Farm · Story County, IA
Where farmers & ranchers get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksWeather & catastrophic loss
Storms, hail, fire, and drought threaten buildings, crops, and stored inputs. Farm property coverage helps you recover and rebuild.
Machinery breakdown & theft
Tractors, combines, and implements are high-value targets. Equipment coverage (inland marine) protects your machinery on and off the property.
Livestock loss
Disease, accidents, and theft can devastate a herd. Livestock coverage helps offset the financial loss of animals.
Visitor & operations liability
Agritourism, farm stands, and hired help create liability exposure. General liability and workers' comp protect against injury claims.
Why farmers & ranchers can't skip coverage
- A farm blends personal and commercial exposure — standard homeowners policies exclude the business and agricultural side of your operation.
- Lenders financing land or equipment almost always require proof of property coverage.
- Hired and seasonal labor typically triggers workers' compensation requirements under state law.
By the numbers
96%
Farms that are family-owned
Billions
Weather-driven ag losses/yr
80+
Ag specialists in network
What farmers & ranchers need to be covered
A farm is a home, a business, and a worksite all at once. Weather, machinery, livestock, and visitors each carry their own exposure, and a single loss can span buildings, equipment, and income. Farm and ranch programs are built to cover the whole operation.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Farmers & Ranchers insurance FAQ
A farm policy combines your dwelling, outbuildings, equipment, livestock, and farm liability into one program — coverage a homeowners policy specifically excludes for business and agricultural use.
Get matched with a farm or ranch specialist
Share a few details and a licensed agent who understands farmers & ranchers will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state