Business Owners Policy
Property and general liability bundled into one policy for small and mid-sized firms.
Read more →Business Insurance
Farm & Ranch
A working agricultural operation, where the home and the business share a boundary.
What this cover does
A farm is a residence, a workplace and a production business on one title. Farm and ranch cover handles all three together — the dwelling, the outbuildings, the machinery, the livestock and the liability that comes with visitors, workers and animals.
Typically included
- Farm dwelling and household contents
- Barns, outbuildings, silos and grain storage
- Farm machinery, implements and mobile equipment
- Livestock against named perils
- Farm liability including visitors and farm workers
- Harvested crops in storage
Common add-ons
- Crop insurance and revenue protection
- Equipment breakdown on irrigation and processing plant
- Agritourism, farm-shop and pick-your-own liability
- Custom-farming and contract-work liability
- Pollution cover for fuel and chemical storage
Questions
What people ask about farm & ranch
Is a hobby farm covered by my homeowners policy?
Usually only up to a point. Once there is income, livestock beyond a few animals, or equipment of any size, the homeowners form starts excluding the farming activity and a farm policy is needed.
Is agritourism covered?
Not automatically. Opening to the public for tours, weddings, mazes or a farm shop adds a liability exposure the base farm form does not contemplate, and it is endorsed separately.
Often taken together
Related cover
General Liability
Third-party injury, property damage and advertising injury claims against your business.
Read more →Quote Farm & Ranch
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.