Farm Land Insurance
Coverage for working farm land — crops, groves, livestock, and agribusiness. Optional coverages are generally intended to address the liability and property exposures specific to how your land is farmed. Tell us how the land is used and we'll help match you to the right market.
Optional coverage by farm land usage
The coverages worth considering depend on how the land is farmed. These are common farm land usage classifications and the optional coverage each typically calls for.
Crop production & field operations
Optional coverage is generally intended to address the liability and equipment exposures of growing and bringing in a crop.
- • Crop production by hand
- • Crop production by combine or other mechanical means
- • Groves / orchards
- • Fruit, nut, or vegetable harvesting contractors
- • Produce handling or packing
- • Cotton gin operations
Livestock & animal operations
Optional coverage is generally intended to respond to animal-related liability, care-custody-and-control exposures, and the property used to house animals.
- • Animals — draft
- • Animals — saddle (private)
- • Swine houses
- • Poultry houses
- • Small animal coops
- • Aquaculture
- • Stockyards
- • Livestock sales companies
- • Livestock dealers or commission merchants
Farm commerce, dealers & merchants
Optional coverage is generally intended to address the products, premises, and operations exposures of selling, distributing, or processing farm goods.
- • Cotton or wool merchants
- • Dairy products or butter & egg stores — other than not-for-profit
- • Dairy products or butter & egg stores — not-for-profit only
- • Feed, grain, or hay dealers
- • Grain milling
- • Seed merchants (excluding erroneous delivery, error in mixture, and germination failure)
- • Distributor / machinery or equipment dealers — farm type
The farm land itself
Optional coverage is generally intended to address third-party injury and property-damage claims arising from the land — including leased ground and grazing arrangements.
- • Farm land
- • Land leased or rented for agricultural use
- • Grazing leases and pasture
How farm land coverage is generally structured
A farm land program is usually assembled from a few building blocks: farm liability (third-party injury and property damage arising from the farming operation), farm property (barns, outbuildings, equipment, and — where applicable — livestock structures like swine houses, poultry houses, and small animal coops), and optional endorsements tailored to the specific operation.
Crop and field operations often add coverage for harvesting equipment and contractors; livestock operations add animal-related and care-custody-and-control endorsements; and farm merchants, dealers, and processors add products and premises liability. Note that some performance exposures — for example, seed germination failure or error in mixture — are commonly excluded and need a separate specialty solution.
Coverage terms, eligibility, and pricing are determined by the carrier and vary by state, operation, and individual circumstance. Nothing on this page implies, affords, or offers any specific insurance coverage. Review the policy form and consult a licensed insurance professional before binding.
Frequently asked questions
What is farm land insurance?
Farm land insurance is a package built around agricultural property and operations. Depending on how the land is farmed, it can combine farm liability, farm property (barns, equipment, livestock structures), and optional endorsements for specific operations. The exact coverages are determined by the carrier and the way the land is used.
Which optional coverages should I consider?
It depends on the operation. Crop and field operations often add equipment and harvesting coverage; livestock operations add animal mortality and care-custody-and-control endorsements; farm merchants and dealers add products and premises liability. Tell us how the land is used and we can route you to the right market.
I both farm my land and lease part of it out. Can one policy handle that?
Sometimes — but mixed use needs to be disclosed. Owned-and-operated acreage, leased ground, and land rented to others are rated differently. List every use on the application so the policy reflects the full picture.
Are seed and crop guarantees covered?
Generally no. Many farm liability forms specifically exclude things like erroneous seed delivery, error in mixture, and germination failure. Those are contractual/product-performance exposures that typically need a separate specialty solution. Always review exclusions with a licensed agent.
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