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FARM & CROP

Farm Insurance

Flexible coverage options for your farm.

 

 

 

Insurance answers for today's farmers.

 

Our farm insurance policy can be designed to protect your multiple farm assets, including liability protection and coverage essential for your farming operations. This policy provides the flexibility to pay for only the specified protection you need.

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What can be covered?

 

  • Farming Operations
  • Home and Farm Buildings
  • Farm Vehicles
  • Machinery and Equipment
  • Livestock

How can you save?

  • Crop Hail Discount
    Receive a 10% discount on your crop hail insurance policy if you have an active farm insurance policy with us.
  • Impact Resistant Roof Discount
    Use of certain impact resistant roofing products may qualify you for policy premium discounts.
  • Protective System Discount
    Receive a discount if you protect your home with qualifying safety devices and services.
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How can you provide more comprehensive coverage for your farm?

 

Specialized endorsements provide options for customizing your policy to fit your specific needs. The Rural Guardian Select endorsement offers new coverages for emerging trends in the agriculture industry and packages our most popular optional coverages at a lower cost than if purchased individually.  Looking for more options?  We offer many more optional endorsements for your farm program.

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Crop Endorsements

  • Custom Farming
    Information-iconExpands coverage beyond the 200 acres provided under the Rural Guardian base policy.
  • Custom Spraying
    Information-iconCovers custom, for-hire spraying operations for others.
  • UAS/Drones
    Information-iconProvides coverage for owners and operators of Unmanned Aerial Systems (UAS) when used as part of the farming operation.
  • Peak Season
    Information-iconProvides increased farm personal property coverage during times selected by client.

Livestock Endorsements

  • 4-H Club Livestock
    Information-iconCoverage for animals (including cattle, hogs, horses, sheep and goats) while participating in a 4-H project.
  • Confinement
    Information-iconCoverage for death by suffocation, freezing, hypothermia or heat of owned hogs and calves in confinement.
  • Feedlot Coverage
    Information-iconCoverage for cattle and hogs custom-fed by contracted producer, options to include or exclude suffocation and mismedication.
  • Milk Contamination
    Information-iconCoverage for losses due to milk contamination, as well as milk leakage that occurs on the farm.
  • Pollution Coverage Options
    Information-icon
    • First Party Pollution provides additional coverage for first party clean-up costs and environmental restoration.

    • Stand Alone Farm Pollution Liability provides coverage for sudden, accidental and gradual pollution, as well as coverage for confinement livestock operations, manure pits and lagoons.

    • Limited Pollution Coverage with Confinement Operations is designed for farmers who only need coverage for sudden and accidental pollution occurring at a confinement operation.
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Machinery and Equipment Endorsements

  • Farm Machinery
    Information-iconExpands farm machinery limits and coverage above base policy limits.
  • Farm Electronic Equipment
    Information-iconProvides coverage for direct physical loss for farm electronic equipment, the installation and activation expenses of newly replaced equipment.
  • Farm Equipment Breakdown
    Information-iconProvides coverage for equipment used with residence or farming operations for loss caused by: mechanical or electrical breakdown, rupture, bursting, bulging, implosion or steam explosion.
  • Multi-Terrain Vehicle
    Information-iconProvides coverage for the owners and operators of the multi-terrain vehicles (such as ATV, UTV) used for personal use or in farming operations.

Farm Operations Endorsements

  • Agribusiness Operations
    Information-iconProvides both liability and property coverage options for agribusiness activities including: Christmas tree sales, hay rides, hunting leases, petting zoos, seed sales, farm tours and many others.
  • Cargo
    Information-iconCoverage available for farm personal property and motor truck cargo.
  • Broad Perils for Farm Structures
    Information-iconExpands coverage to include damage from falling objects, weight of snow or ice, accidental discharge or overflow of water or stream and other hazards.
  • Loss of Income
    Information-iconIf a covered structure becomes unusable due to damage from a covered hazard, some lost income can be recovered.
  • Extra Expense
    Information-iconProtection for additional expenses accumulated while returning to normal operations after a covered loss.
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Equine Endorsement

  • Care, Custody and Control
    Provides liability protection for equine related activities, such as:

    • breeding
    • boarding
    • training
    • riding for pleasure
    • arena/riding
    • therapeutic riding lessons

LET'S HAVE A CONVERSATION

Insurance can be confusing.
Our agents make it as easy as 1, 2, 3.
1

Help you understand the possibilities

 

Whether you have a small farm or a large operation, a team of specialists will have a conversation with you to get to know your farm.

2

Discuss your coverage needs

 

During this conversation, we'll help you determine which coverage options meet your needs and identify qualifying discounts.

3

Create your policy

 

Once we help you identify your needs, we will help you create a customized farm insurance program.

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