Farm & Ranch Program
Culpeper, Warrenton

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.

Frequently Asked Questions

• 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
• 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 
• 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 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 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