We understand the risks you face to cultivate crops and raise livestock. Your farming business has changed over the years. So has our farm insurance. Our flexible farm policies are customized to fit your farm operation. Plus we’ve added Identity Theft 911® services at no charge to our Farm-Guard® policy. But not everything has changed. You’re still dedicated to the land, and we’re still dedicated to you.

Commercial Agribusiness

Protect Your Farm Business:

It’s no secret that farming operations are growing increasingly complex and dependent upon technology. As an insurer of the rural marketplace, we focus on changes in agriculture, so that together with our affiliated farm mutuals*, we are providing the best products to cover your farm.

Commercial Agribusiness Coverage:

  • Dwelling
  • Personal Structures
  • Farm Buildings
  • Household Personal Property
  • Machinery
  • Equipment and Implements
  • Commercial Buildings
  • Business Personal Property
  • Inland Marine

Optional Coverages for Building, Personal Property, or Machinery:

  • Disruption of Farming Operations (Income Loss and Expenses)
  • Debris Removal Increased Limit
  • Spoilage – Perishable Farm Personal Property
  • Foreign Object in Machinery
  • Cab Glass
  • Equipment Breakdown

Optional Coverages for Liability:

  • Custom Farming Liability Coverage
  • Custom Feeding Liability Coverage
  • Confined Livestock Care, Custody & Control Liability CovCrop

Crop Hail

We Know Farming

Just as sure as the sun shines and the rain falls, there will be times when damaging winds will blow and hail will cover the ground.  Since we can’t control Mother Nature, we can help you prepare by protecting the investment in your crops.

Our policies have evolved to meet the changing needs of our policyholders.  We know that nothing speaks like experience and personal customer service.  Our seasoned adjusters and staff understand farming and the damage that can be caused by severe storms.

Supporting coverage discount*

Volume discount

Cash discount

Farm Liability

Protect Your Independence

You like your independence and your freedom.  That’s why you choose to make your living on the farm.  We admire your choices.  That’s why we chose to stand beside you, to help protect you and your loved ones from financial exposure.

Our Farm-Guard® policy has been protecting farmers and ranchers like you for the past 40 years. Available from your farm or county mutual, it was one of the first farm liability insurance policies on the market.  Farm-Guard is there to protect you should an accident, injuries, or claims of negligence arise as a result of your farming operations.

Farm-Guard Liability Coverage:

  • Bodily injury and property damage
  • Public liability
  • Employers’ liability
  • Medical payments
  • Pollution coverage
  • Milk contamination

Premium Discounts

  • Owner occupied farm
  • Non-occupied farm
  • Country home discount
  • Livestock exclusion

Optional Coverages

  • Custom farming
  • Custom feeding
  • Residential rental property
  • Business activities
  • Hunting and fishing
  • Contractual liability
  • Seed Sales
  • Agricultural Excavation and Tiling
  • Custom Manure Contractors

Farm Property

Years ago, the barn represented the center and livelihood of a family farm. Farming operations have changed since then, but your investment in farm buildings, property, and livestock continues. That’s why we offer farm property insurance, available through your farm and county mutual. It’s called the FarMate® policy because it’s flexible to match your needs. Coverages protect your home and household property as well as your farm buildings and farm personal property.

FarMate Coverages

  • Dwelling
  • Household personal property
  • Additional living expense/loss of rents
  • Farm building
  • Scheduled and unscheduled farm personal property
  • Optional coverages

Additional Coverages

  • Debris removal
  • Emergency removal of a property
  • Necessary repairs after a loss
  • Construction of new buildings
  • Farm implements coverage due to building collapse
  • Equipment breakdown
  • Unharvested farm produce or grain

Optional Coverages

  • Comprehensive machinery coverage
  • Farm extra expense
  • Glass breakage – farm machinery
  • Leased or rented farm buildings
  • Peak season
  • Pollution clean up and removal
  • Unmanned Aircraft System* (drone) coverage for precision agricultural operations (e.g. monitoring crops and livestock)

Farm Equipment Breakdown

Innovation and a strong work ethic are values that have been passed down through generations of farming families.  They are vital to your farming operation’s success. We believe in them too.  That’s why as farming technology advances, we’re offering affordable equipment breakdown coverage with our farm policies.  It can pay for equipment repair or replacement, lost business income, perishable good and related expenses. It’s how we protect your investment toward innovation.

Equipment Breakdown Coverages

  • Electrical distribution systems
  • Boilers and pressure vessels
  • Heating, cooling systems
  • Refrigeration systems
  • Business computers
  • Deep well pumps and motors
  • Emergency generators
  • Grain dryers
  • Milking machines
  • Ventilation fans
  • Bulk milk storage tanks
  • Mechanized feed, waste, and egg handling equipment
  • GPS units
  • Heating, air conditioning, hot water heater, and major household appliances within the farm dwelling