Farm & Ranch Insurance
Billings, Bozeman, Choteau, Conrad, Cut Bank, Great Falls, Helena, Livingston, Shelby

Farming and ranching in Montana is more than just a business—it’s a legacy rooted in resilience, independence, and grit. We understand that no two operations are alike, and that’s why we tailor insurance solutions to fit your unique needs. From dryland wheat fields in the Golden Triangle to diversified operations in the Bitterroot, our goal is to help you get the most value out of every insurance dollar.

With premium costs rising steadily in recent years, our relationships with trusted carrier partners give us the ability to leverage competitive markets and help Montana producers maximize their coverage without overspending.

We know this market. We know where your operation fits, and we’ll make sure your insurance policy fits you just as well.

Key Insurance Coverage Areas Designed for Montana Producers

Whether you’re managing a family-owned ranch, operating a vineyard, or running a diversified crop enterprise, we offer insurance coverage options tailored to your operation.

Core Farm & Ranch Insurance Coverage

• Farm & Personal Liability
• Commercial General Liability
• Farm Dwellings: primary residences, high-value homes, employee housing, rental dwellings, and scheduled personal property
• Farm Property & Equipment: scheduled/unscheduled, including equipment breakdown protection
• Farm Auto
• Animal Mortality & Equine Mortality
• Workers Compensation (including seasonal labor needs and ag-specific risks)
• Farm & Ag Pollution – including chemical drift and injection site contamination
• Umbrella Coverage
• Employee Practices Liability
• Liquor Liability for Montana wineries and tasting rooms
• Seedmen’s E&O
• Crops in Storage & Transportation Cargo
• Whole Farm Revenue Protection

Additional Insurance Solutions

Ingestion Coverage

Ingestion coverage protects your equipment when it accidentally pulls in something it shouldn’t, like a rock, chunk of metal, or other debris. For example, if your combine sucks in a stone while harvesting and it damages the rotor or other internal parts, this coverage helps pay for the repairs. These kinds of accidents can cause major downtime and unexpected costs. Ingestion coverage gives you peace of mind, knowing your equipment is protected from the hidden hazards that come with working the land.

Chemical Drift Liability

Whether you’re spraying herbicides on a windy day or managing pesticide treatments near a neighbor’s field, chemical drift is an ever-present risk. This coverage protects you if airborne chemicals unintentionally damage neighboring crops, property, or sensitive areas like water sources or organic farms. With growing concerns about environmental exposure and stricter regulations, this coverage offers financial protection when things don’t go according to plan.

Workers Compensation

Your people are your most valuable asset, and ag operations often rely on a mix of family members, seasonal workers, and hired hands. Workers compensation insurance ensures you’re protected in case of workplace injury or illness and keeps your operation compliant with state labor laws. We’ll help you tailor a policy that reflects your unique labor structure, including:

• Seasonal and migrant labor needs
• Youth workers or family labor
• Housing and transportation-related liabilities
• Multi-entity or multi-location operations

Plus, with access to a wide network of competitive carriers, we can help you optimize your premium without sacrificing protection.

Whole Farm Revenue Protection: A Safety Net for Montana Farms

Farming comes with uncertainty—weather, market prices, and changing conditions can all impact your income. Whole Farm Revenue Protection (WFRP) provides a broad safety net by protecting your entire operation’s revenue, not just one crop.

How it works:

• Uses your last 5 years of Schedule F taxes to establish average gross revenue
• Allows you to protect 50–85% of that income
• Subsidized by the federal government
• Only available through approved agents

Whether it’s hail in Havre or market drops in Great Falls, this program helps stabilize your income and protect your future.

Who We Serve

We’re proud to support a wide range of agribusinesses across Montana:

• Crop Owners (small grains, pulses, hay, etc.)
• Ranchers & Cattle Operations
• Dairy Producers
• Orchard & Vineyard Owners
• Farm-to-Market Growers
• Retail and Wholesale Produce & Grocery Markets

Let’s Build an Insurance Policy That Works for Your Montana Farm

You’ve built something worth protecting—and we’re here to help you do just that. Whether you’re updating your current insurance policy, exploring better options, or starting from scratch, our team is ready to walk the land with you, listen to your needs, and craft a coverage plan that works as hard as you do. Reach out today, and let’s start tailoring an insurance solution that truly fits your farm or ranch.

Frequently Asked Questions

• What is agribusiness insurance? 

  Agribusiness insurance is insurance for any agriculture-associated business. There are a variety of policy types because agribusiness is a large field that includes many diverse industries. Some of these industries include: 

  • Commercial Farms
  • Family Farms and Ranches
  • Vineyards
  • Dairies
  • Orchards
  • Wholesale Nurseries
  • Cotton Growers
  • Pumpkin Patches
  • Stables 

  Your agribusiness policy will be completely unique to you, based on what your company produces and what your needs and risks are. 

• What kind of insurance do farmers and ranchers need? 

  The exact coverage you need will vary based on your business's operations. However, some types of insurance can benefit almost every agriculture business.

  • General Liability Protects your company from claims of bodily injury, property damage, product damage, and more.
  • Commercial Auto Even if you use a personal vehicle for work, a personal auto insurance policy doesn't cover the car while it's being used for work purposes. 
  • Property  Offers protection for commercial structures, business personal property, and machinery. 
  • Theft and Crime Crime-related losses aren't usually covered by your property insurance and require their own unique coverage. 
  • Workers Compensation If any employees are injured or become ill on the job, this insurance can cover the payment of their medical expenses, lost wages, and rehabilitation costs. 
  • Inland Marine You can protect stored products or equipment in an off-site location, mobile irrigation systems, and products you are transporting with inland marine insurance.  
• What is farm liability coverage? 

  Farm liability coverage is different from general liability coverage, even though they sound very similar.

  General liability is just that, general. Farm liability can be broken down further into more specific coverages.

  Here are a few types of specific liability policies available for different agricultural industries. 

  • Farmers Market/Roadside Stand
  • Agritourism/Agritainment
  • Equine Operations
  • Farm & Agricultural Pollution
  • Seedmen's Error & Omissions
• Is there anything agribusiness insurance doesn't cover? 
  As with any standard insurance policy, there are specific exclusions and exceptions. One of the most notable exclusions people often don't know about is fencing. In a basic agribusiness policy, the fencing on your property is excluded. However, if you rely on your fencing to keep your daily operations organized and running smoothly, you can find special riders and policy extensions that add fence coverage.  
• What is farm insurance? 
  Farm insurance is a specialized form of agribusiness insurance that provides you dual coverage by protecting your home and operation. Policies differ, but like agribusiness insurance, the four main areas of coverage include:  Home and contents (detached garages, other personal use buildings)  Farm and ranch personal property (livestock, feed, machinery, equipment)  Farm and ranch structures  Business and personal liability coverage 
• What does agribusiness insurance cover? 

  Agribusiness insurance covers a broad spectrum of risks   as long as it relates to your agriculture business. However, you can break down the available coverages into four easier-to-understand categories.

  • Your home and its contents
  • Farm personal property
  • Farm structures 
  • Liability protection