Farm Insurance

Farm & Ranch insurance is a hybrid form of coverage meant to protect you both personally and commercially. Like a standard homeowners policy, farm insurance will cover your home, possessions and personal liability. Beyond that, it also includes coverage for your business liability exposures, machinery, and livestock. A package provides coverage for:

  • Personal dwelling, farm-related buildings (barns, stables, hay sheds, arenas), farm personal property for farm machinery, tack, equipment, hay and feed, replacement cost available on buildings and household contents.
  • On and off premises operations, such as boarding, breeding, riding instruction, training, racing and horse shows

Key Coverage Limits & Highlights:

  • Personal liability available for owner occupied dwellings
  • Choose from basic, broad, or special coverage options for all property
  • Liability limits of $300,000 to $1 million
  • Commercial general liability coverage applies on and off premises in the U.S, Canada, and U.S. territories
  • Limited professional liability coverage for horse trainers, riding instructors, and clinicians
  • ATV/golf cart coverage available for equine operations
  • Participants coverage for horse shows
  • Horse sales coverage
  • Care, custody and control coverage
  • Disruption of Farming/Loss of Income
  • Animal collision
  • Excess & Umbrella Liability

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