Ag-Based Business Insurance

Your ag operation isn’t just your business; it’s your livelihood. No one understands the needs of farmers and ranchers like we do.

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We can help you protect your diversified and direct market ag operations. Our AgMax® commercial agriculture insurance was created to serve the unique needs of commercial agriculture operations and related businesses, including:

  • Producers who market their products locally at farmers markets or restaurants
  • Dairy farmers who make and market their own dairy products
  • Ranchers who direct-market their meat products
  • On-farm retail stores
  • Agri-tainment and agri-tourism operations

Custom Coverages for Your Ag Operation

No business is the same. That’s why we offer many ways to customize your coverages for your business’s unique needs. Whether you have a large or small ag operation, these coverages can help ensure your business is able to run smoothly:

Farm/Ranch Personal Property Insurance

This coverage helps protect you financially if items used to run your agricultural operation – such as tractors, combines, tools, grain, feed or supplies – are damaged, or if livestock are killed by a covered cause of loss. This coverage is available on a scheduled or blanket basis to cover all your farm/ranch personal property. With this coverage, you can protect your farm/ranch property from damage for such things as fire, lightning, windstorm, hail, theft and vandalism.

Livestock Coverage

With livestock protection, you’ll be covered in the event of an accidental shooting, attack by dogs or wild animals, drowning or electrocution.

Farm Pollution Liability Insurance

If all of your farm/ranch property and liability is insured by our companies, this coverage can help protect you against a wide range of farm pollution risks, including animal waste, fuel or chemical leaks, dust and additional pollutants that cause bodily injury or property damage for which you are legally liable.

Livestock Freezing or Smothering Coverage

Covers blizzard-related livestock loss.

Suffocation Coverage

This coverage offers protection against the loss of cattle, swine and poultry in confinement due to suffocation.

Peak Season Coverage

Increases coverage for a period of time; for example, during harvest when inventories may be high.

Crop and Livestock Insurance

A variety of federal crop and livestock insurance products can help protect you from loss of revenue due to specific covered events.

Farm/Ranch Operations Interruption or Business Income and Extra Expense Coverage

Adds coverage for extra expenses and loss of farm/ranch earnings due to an interruption of operations.

Contents of Freezer or Refrigerated Unit or Spoilage Coverage

Covers the loss of the contents of your freezer or refrigerator due to change in temperature caused by power interruption or mechanical or electrical breakdown of the refrigeration system.

Earthquake Coverage

Covers direct loss caused by an earthquake.

Personal Liability Coverage

Protects you if someone is injured while visiting your farm or ranch, or you accidentally injure someone or damage their property while away from your premises.

Umbrella Liability Coverage

Offers additional liability coverage over base policy limits.

Workers’ Compensation Coverage

Provides benefits for your farm employees if they are injured, become ill or die as a result of employment-related activities.

1No. 1 ag insurer across our 8-state territory; 2023 SNL P&C Group - Farm Bureau Property & Casualty Insurance Company and Western Agricultural Insurance Company direct written premium.

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