Farm & Ranch Program
Berlin, Greensburg, Johnstown, Pittsburgh

Farming is so much more than a commercial operation, it is a way of life.

The farm and ranch industry is like no other. We offer extensive insurance coverage options for today's farm and ranch owners.

Farm & Ranch Program

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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

What You Need to Know About Farm & Ranch Program

Farm & Personal Liability Coverage

One of the cornerstones of farm and ranch insurance is farm and personal liability coverage. This protects you from potential lawsuits arising from personal injury or property damage on your farm. It's your first line of defense against unexpected legal expenses.

Commercial General Liability

Farm and ranch insurance also includes commercial general liability coverage. This covers broader aspects of liability, including incidents that occur outside the farm premises. It's crucial for agribusiness owners who may be involved in off-farm activities.

Farm Dwellings and Property

Your farm and ranch insurance extends its protective umbrella over various types of dwellings and properties:

- Primary Dwellings

Your main residence on the farm is covered, ensuring your home is protected.

- High-Value Homes

For those with high-value homes on their farm, this insurance caters to their unique needs.

- Employee Housing & Rental Dwellings

If you provide housing for employees or have rental properties on your ranch, this coverage has you covered.

- Scheduled Personal Property

Your valuable possessions are also protected, offering peace of mind.

Farm Property & Equipment

Your farm's assets are critical to your operations. Farm and ranch insurance covers:

- Scheduled Property & Equipment

Assets listed on your policy are insured against various perils.

- Equipment Breakdown

When essential equipment malfunctions, this coverage helps get your operations back on track promptly.

Farm Auto Insurance

Farm auto insurance is essential if you have vehicles for farm use. It ensures that you're covered in case of accidents, damage, or theft involving your farm vehicles.

Animal Mortality Coverage

For livestock owners, especially those with equine, animal mortality coverage is indispensable. It protects your investment in case of the unexpected loss of animals.

Liquor Liability for Wineries

Wineries operating on your farm benefit from this specialized coverage, protecting them from potential liquor-related liability issues.

Umbrella Insurance

Umbrella insurance adds an extra layer of protection by extending your liability coverage beyond the limits of your standard policies. It's a safety net for unforeseen circumstances.

Farm & Ag Pollution

Environmental concerns are growing, and farm insurance has adapted to address these issues. Farm and ag pollution coverage helps mitigate the financial impact of pollution-related incidents.

Workers Compensation

Farm insurance includes workers' compensation coverage, which is essential for ensuring the well-being of your employees in case of work-related injuries.

Employee Practices Liability

This coverage protects against potential employee-related legal issues, such as wrongful termination or discrimination claims.

Seedmen’s E & O Insurance

For those involved in seed production and sales, errors and omissions insurance (E & O) is crucial. It protects you from potential legal actions resulting from mistakes or omissions in your seed-related business activities.

Crops in Storage

If you store crops on your farm, this coverage ensures that they are protected against various perils, such as fire, theft, or damage.

Transportation Cargo Insurance

For farms involved in transporting goods, transportation cargo insurance is essential. It covers the cargo in transit, providing financial security in case of accidents or damage during transportation.

Whole Farm Revenue Protection

In the volatile world of agriculture, uncertainty is a constant companion. However, there is now a powerful tool to shield your farm against unexpected yield and revenue losses: Whole Farm Revenue Protection.

How Does Whole Farm Revenue Protection Work?

This innovative program utilizes your last five years of tax records to calculate your average potential revenue from all farm crop sources. You can then choose the percentage of that revenue you want to guarantee, ranging from 50% to 85%. It's important to note that Whole Farm revenue insurance protection is a government-subsidized program and is exclusively available through approved select insurance agents.

Whether you're facing market volatility or the unpredictability of Mother Nature, this critical coverage offers the stability your farm needs. It not only assures your crop's yield but safeguards your gross revenue, providing a financial safety net when you need it most.