Smarter Insurance for Agriculture®
Farm or ranch liability insurance coverage protects your assets in the unfortunate case of a law suit. Liability claims can be costly and damaging to your ag operation. Because claims can be unpredictable, you need a plan to cover them, if and when they arise. From small family farms to commercial ranches, we have the farm liability coverage to fit your operation. Your Farm Bureau agent and ag underwriter will assess your operation and help you choose the best coverage options. Ask your Farm Bureau agent or ag underwriter about optional coverages and business liability considerations.
What Does Farm Liability Insurance Cover?
Farm Bureau’s customizable liability insurance for farms and ranches can protect you from bodily injury claims from visitors or accidental property damage claims that occur as a result of your farm or ranch operation.
How Much Farm Liability Insurance Coverage Do You Need?
Each farm or ranch is different and has different risks. Your Farm Bureau agent and ag underwriter will look at several factors, including whether you welcome the public to your farm, whether you employ staff on your farm or ranch and how you handle waste. Some of our popular coverage options include:
Agritainment and Agritourism
If your farm invites visitors to experience the country life, you need a policy that is tailored to the unique risks that agritainment and agritourism operations represent. Farm Bureau can help by providing farm liability insurance for farm visitors, which covers agritourism activities such as hayrides, hunting outings and you-pick operations.
Protect your operation from a loss due to an animal waste pollution event. Farm pollution liability coverage can protect you from events such as a tank or containment dike rupturing, application of animal waste onto your land as fertilizer or an explosion.
If you give riding lessons or board, breed or train horses on your property, you have the potential for greater risk. This coverage is designed to provide enhancements, such as horse liability insurance, in addition to care and custody liability for horses owned by someone else.
If you employ people on your farm or ranch, employer liability insurance can help protect against potential charges (such as bodily injury caused by accident) made by full-time, part-time, temporary or seasonal employees.
Workers compensation insurance provides coverage for farm or ranch employees who are injured on the job. This coverage helps to limit your financial responsibility for the medical expenses that can be incurred due to an employee’s injury. It also helps ensure you’ll be able to continue operations if an employee is injured.
An umbrella policy provides liability protection coverage over and above the limits on your farm or ranch liability policy for lawsuits and liability judgements. Umbrella coverage can play an important role in your farm or ranch liability insurance strategy.