Agriculture is the backbone of our world, providing sustenance and livelihoods for billions of people worldwide. However, farming comes with risks. Weather, damage to equipment, and injured employees are just some of the many challenges that farmers must face. This is where we can help, farm insurance offers protection and comfort to our Farmers who work tirelessly to feed the world.

Farm insurance is more than just protecting your farm equipment. Farm insurance financially protects your farm in the event of a covered loss.  These policies cover your farm for a range of covered losses from damage to your farm buildings, equipment, and livestock to specialized auto coverage for your farm vehicles.  Farms large and small face a lot of the same risks and having the right insurance to cover those is critical for protecting your business.

There are many different coverages that fall under farm insurance. These include:

Property Insurance. Property insurance can protect you from covered losses to your buildings and attached equipment. These losses are often caused by fire, wind, vehicles colliding with your buildings, power surges, and many more. When going through a loss, property insurance provides financial protection to make you whole again as fast as possible

Livestock Insurance. With livestock, there are multiple ways to cover your animals.  If you have specific animals that are extremely valuable to your farm, then you can cover them with an individual mortality policy.  This provides financial protection for your farm if these specific animals are killed or injured due to a covered accident, sickness, or disease.  Livestock insurance for your herd provides protection from covered losses like fire, collision, wind, hail, flood, theft, electrocution, animal attack, and more.

Equipment Insurance. Theft or an accident can cause a farm not to be able to produce goods. Equipment insurance can help cover the cost of repairs or replacement of the machine, allowing the farm to continue working without a delay in production.

Farm Auto. A farm auto policy is a commercial auto policy, that can cover many types of vehicles. Having a farm auto policy is an essential conversation to have with your agent if your farm owns and/or operates any vehicles.  Farms can have various types of vehicles and having a policy that protects them is critical for farms small and large.

Pollution Insurance. Pollution coverage for farms is critical for managing risks that can include chemical spills, pesticide runoffs, and manure pollution. This can bring protection to the farmer and the environment. Pollution insurance shields farmers from liabilities and financial losses while contributing to environmental safekeeping and sustainable farming practices.

Umbrella. Umbrella policies give you an additional layer of coverage beyond the limits of certain liability policies, such as your farm liability, auto liability, and others. With the potential of larger liabilities in the farming industry, umbrella coverage serves as an additional safeguard.  This can give you greater peace of mind, knowing that you have additional financial security against unexpected events where you or your farm could be held liable.

Liability Insurance. Legal claims and lawsuits that a farmer may face, whether fact or fiction, can be detrimental to your business. Having liability insurance gives the farmer protection that can help cover legal fees and other costs that arise from the accident. This brings great financial protection for the farmer if an event was to happen.

Employment Practices Liability Insurance (EPLI). For larger farms having Employment Practices Liability Insurance is increasingly important as they expand with more employees. Employment Practices Liability Insurance (EPLI) can bring protection from discrimination, harassment, wrongful termination, and claims that fall under wrongful employment practices. Employment Practices Liability Insurance can mitigate the financial risks that may come forward due to legal costs, settlement, and also the financial cost of the continuation of smooth operations.

Cyber Insurance. As farms become more technologically advanced in daily operations, Cyber insurance is something that farms would benefit from having. Cyber threats can happen anywhere including farms, and by having cyber coverage it can protect from data breaches, hacking, or system disruption that can cause delays in the farming’s daily operations. Cyber insurance can help cover the cost of data recovery, legal fees, and potential liabilities.

Workers Compensation. Workers’ compensation for farmers is a benefit that will protect individuals employed who are injured while performing their job duties. This benefit will give the employee compensation for medical treatment, wages lost, and if needed, ongoing treatment such as physical therapy. Agriculture is a labor-intensive job, and the risk of injury or illness is always present. By having a strong worker’s compensation policy for your employees, you are making sure that they are going to be taken care of while recovering from a work-related injury.

Life Insurance. Life insurance is something we all need, but something we often don’t think about. If the event of an unexpected death were to occur, it would provide financial protection for their family. This could then allow the family to have the funds to continue the farming operations. Life insurance can also help cover outstanding debts, taxes, and funeral expenses, giving peace of mind to the families as they go through this challenging time.

Health Benefits. Having Health Benefits not only promotes overall well-being but also productivity. Medical, dental, and vision coverage are some coverages that can be offered to employees. Medical coverage can provide preventive care, illness treatment, and injury management. Wellness programs are also available for employers to offer such as mental health resources and physical fitness programs. By providing health benefits you contribute to your employee’s sustainability by promoting healthy lifestyles and reducing lost work due to illnesses. Health insurance can also decrease the potential of a worker’s compensation claim, as employees can be proactive in their well-being.

When it comes to protecting your farm, there are many benefits to farm insurance. Some of these benefits include:

Financial Protection. Farm insurance provides financial compensation for losses incurred due to unforeseen events, helping farmers mitigate the impact on their income and assets. Farming is not an easy operation, and many factors play into the income that is received. Losses, death, unexpected weather and more can be major issues that cause financial hardship. Farm insurance brings peace of mind with financial compensation for the unexpected. Allowing farmers to continue feeding the world.

Business Continuity. Loss can cause a farm to lose everything. With Farm Insurance, you will have the financial security to keep your business up and running while you cover the loss that occurred.

Risk Management. Risk management in agriculture and Farm insurance go hand in hand. Reducing risk to financial burdens, risk management will exchange potential losses for a premium. This will allow the farmer coverage if a claim needs to be filed.

Farmers have many stresses, and being able to have peace of mind knowing that you have insurance coverage that will help cover unexpected events, allows you to focus on your farm and business. Give us a call at 844-GANNONS or visit us at for more information today.