Insurance for Farms and Ranches
We Insure Your Growing Business®
From crop storage to chemical drift, farm and ranch operations have a unique set of needs and risks. Traditional insurance coverage may not meet these. Travelers Agribusiness understands this. Our field experts can work with your agent to help customize coverage that will protect you and your growing business. Travelers’ dedicated Agribusiness underwriters, risk control specialists and claim handlers are here to help. Through experience and expertise, Travelers gives customers the industry insights and answers they need.
Agribusiness products consider your needs
Our insurance policies for farm and ranch owners and commercial growers and packers provide a strong blend of coverage.
Travelers has you covered from farm dwellings and structures to household furnishings and scheduled farm equipment. We also provide liability coverage for injury and damage to others.
Farm and ranch insurance coverage
The below are Travelers’ key coverages and enhancements. Speak to your agent today to learn about all we have to offer.
Standard coverages:
- Farm dwelling
- Other private structures
- Household personal property
- Increased special limits of insurance under household personal property
- Additional living expenses
- Scheduled and unscheduled farm personal property
- Other farm structures
- Farm, personal and products liability coverages
- Chemical drift liability
Optional coverage enhancements:
- Ag-Plus II for farm personal property
- Ag-Xtra for farm personal property and other farm structures
- Disruption of farming operations
- Pollutant cleanup and removal expense
- Equine coverage
- Equipment breakdown – farm equipment and outbuildings
- Equipment breakdown for dwellings
- Farm computer
- High-value dwelling
- Orchard and vineyard growers
- Ranch and livestock property
- Chemical drift – increased limits of liability
- Sump overflow and water backup for dwellings and other farm structures
Coverage options include:
- Ag-Plus II Endorsement – with higher limits on hay and equipment, and additional coverages
- Ag-Xtra – higher limits for electronic data, accounts receivables and valuable papers and records, and additional coverages for other farm structures
- Equine – includes coverage for equipment damage, stable liability and property coverage for fences, corrals and pens
- High-value dwelling – broad coverages for homes valued over $1,000,000
- Orchard and vineyard growers – broad, flexible coverages meet the unique needs of orchard and vineyard owners
Who is farming insurance right for?
- Commercial growers and packers of agricultural products
- Estate farms
- Family farms and ranches
Horse owners insurance
Don’t let uninsured risks run away from you. Your needs as a horse owner are unique.
Related products & solutions
Winery and vineyard solutions
Our winery insurance program brings together all the critical coverages needed by wineries, small and large – a far superior alternative to purchasing a generic insurance product loaded with endorsements.
Inland marine
Protection for a business’s property that is mobile in nature or requires unique valuation for the construction, transportation, fine art and renewable energy industries.
Management and professional liability
Policies that fit your unique responsibilities and exposures – whether you’re a private, public, nonprofit or financial institution.
Cyber
We understand the complexity of cyber threats and have cyber liability insurance solutions to help protect your business assets.
Resources
Related services
Risk Control
With more than a century of expertise and more than 500 Risk Control consultants, Travelers has the experience and technical proficiency to help businesses manage their risks.
Claim
Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.
More Prepare & Prevent
Insights to help you manage risks at work and on the road
Product and Services Liability Tips & Resources
Risk Transfer Guidance for Agribusiness
Third-party risk management is an important consideration for agribusiness risk management. Here are some risk transfer techniques.
Agribusiness Resources
Continuity Planning for Agribusinesses
Farms and ranches can face risks from severe weather events to supply chain disruptions. Building an effective business continuity plan can help prevent long-term loss of income.
Agribusiness Resources
Wildfires: Before and After, How to Help Protect Your Agribusiness
Agribusinesses should take steps to protect the property they’ve worked hard to build. Here’s guidance on some things you can do to be better prepared.
