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Farm & Ranch Insurance

Protecting your farm and ranch, financial security and lifestyle.

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Spotlight on: Insurance for Farmers and Ranchers

Your farm and ranch is more than a business, it’s where you connect with land and gather with family.

At Higginbotham, we protect what matters most to you. Our farm and ranch insurance specialists know the risks you face and deliver solutions that help secure your financial future. For over 70 years, our customers have inspired us to build one of the leading independent insurance firms in the nation.

Whether you operate a hobby farm, hunting lease, dairy farm, cattle ranch, are a commercial grower or need equine coverage, Higginbotham has the experience you need.

We understand your business and livelihood, and we offer insurance to cover your dwelling, equipment, stock, barns, shops, fencing, tools, saddles/tack and more.

Ranch With Cattle And Hay During Fall

You deserve a partner who takes the time to understand your needs.

You need coverage built around your operation.

As a farmer or rancher, standard insurance policies may only cover some of your property and liability. Our farm and ranch insurance solutions are designed to protect your whole operation.

At Higginbotham, we start with listening and end with custom solutions designed for you.

From hobby farms to the largest farms and ranches in the U.S., we can secure the coverage you need.

The Higginbotham Difference: Rooted in Your Priorities

With your needs in mind, we get to work.

Whether you operate a hobby farm, hunting lease, dairy farm, cattle farm, are a commercial grower or need equine coverage, Higginbotham has you covered.

Our prices are competitive, our fees are clear and our deep industry relationships allow us to provide customized solutions while delivering year-round value. We offer the peace of mind you need with the transparency and accountability you want.

We help you prevent and minimize loss—not just cover it. Our risk management team assess your total operation to identify vulnerabilities and craft a risk management program that supports your business philosophies, financial position and risk tolerance. As your farm or ranch insurance partner, we help you develop an integrated program that puts you in control of your human, physical and contractual risks.

And we don’t stop there.

Your service team stands by your side throughout the life of your policy to help make sure you’re getting the most out of your coverage. From claims advocacy to contract review and more, Higginbotham is here to help you grow.

To learn more about how our values-based approach creates value for you and your business, click here.

Or visit our Insights page to learn more about farm and ranch insurance options.

Ready to work with a broker who works as hard as you do?

Planning coverage around the many risks faced by a farm or ranch owner can be overwhelming.

Not with Higginbotham as your partner.

We start with listening and end with custom insurance solutions. By making policies personal, we help you accomplish more. Our deep industry experience and strong insurance carrier relationships help us get things done that others can’t.

Because while insurance is our something, our customers are our everything.

Talk to a seasoned farm and ranch insurance professional.

Request a Quote Let’s Talk

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Our Farm and Ranch Carrier Partners

We represent insurance leaders specializing in agricultural insurance so you have access to unique coverage forms. Our ranch and farm insurance carriers include:  

American Reliable/American Bankers

Union Standard

Travelers

Chubb Agri

Nationwide

State Auto

Hartford

Allied

FCCI

We had worked with a small broker who handled our renewal each year. I never got the feeling he was working for us. We knew we needed someone to look out for our best interest, and they saved the day.

Monique D.
Controller, Staffing Industry

Common Farm and Ranch Insurance Coverages

While your insurance needs will vary based on your operation, certain coverages make sense for most farmers and ranchers.

Here are some of our most popular farm and ranch insurance options.

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Hunting Lease and Game Ranch Coverage

Assuming hunting activities represent a small part of your overall agribusiness operation, there is a possibility that they can be covered under a ranch or farm insurance policy. However, if hunting is your primary source of income, you operate a game ranch or another commercial hunting operation, you may need specialty coverage.

Primary Home

Rather than carry a separate homeowners’ insurance policy for your house, we can often add a primary home to a farm and ranch package policy. This coverage can even be extended to homes located in the city or other locations far-removed from your physical farm or ranch land. For farmers and ranchers with multiple dwellings, we offer tailored coverage solutions to fit any situation or need.

Farmowners’ Insurance

Farmowners’ insurance is a package designed specifically for the risks faced by farmers, ranchers or stable owners. These insurance bundles combine homeowners’, commercial property and commercial liability coverage into a single policy. Commonly held by family and individually owned farms and ranches, farmowners’ insurance can save you money on premiums and help simplify your servicing process.

Excess Liability Coverage

Excess liability coverage is similar to umbrella insurance in that it increases the payout limits of an underlying liability policy. This coverage can reduce the possibility of you getting saddled with substantial out-of-pocket expenses in the aftermath of an incident, helping to better protect farmers and ranchers who engage in business activities with above-average financial risk.

Equipment Breakdown Insurance

Regardless of the crops you grow or livestock you raise, you need equipment to run your farm or ranch. If you’re like most farmers and ranchers, you lease or own expensive farm equipment crucial to your daily work.

Your equipment breakdown coverage can help with the costs of repairing or replacing:

  • Tractors and Other Heavy Machinery
  • Heating and Cooling Units
  • Watering and Irrigation Systems
  • Milking Equipment
  • Feeding Systems
  • Generators
  • Well Pumps
  • Conveyors

When this equipment breaks down, it can be costly, especially during harvest or other crucial times. With that considered, farm equipment breakdown insurance is a critical coverage to consider.

 

Tack and Equipment Floater Insurance

Floater insurance is an add-on that works in tandem with a standard farm or ranch policy to increase coverage on high-value property. Typically written to cover one specific item, floaters are often associated with jewelry, fine art and other rare or expensive items. If your farm or ranch owns irreplaceable or big-ticket property that you can’t afford to lose, you should consider adding a floater to your policy.

Farm and Ranch Outbuilding Insurance

The buildings and structures on a farm or ranch are a critical part of most agribusiness operations. That’s why we offer specialized coverage to protect your barns, stables, pens, nut hullers, packing houses, storage sheds and other outbuildings. In most cases, outbuilding insurance also extends protection to the equipment used to operate a building, along with the furniture, fixtures, machinery and equipment it stores.

Care, Custody and Control

Care, custody and control coverage is an exclusion found in most liability insurance policies. This exclusion can leave you on the hook financially if you damage rental property in your possession. For farmers and ranchers who want coverage for third-party property in their possession, we can often add supplemental coverage to your policies to close this gap.

Commercial Auto

From your farm truck to semis and other vehicles you use for business, there is substantial risk involved in operating vehicles for business use. Because standard auto policies typically have exclusions for commercial use, it’s wise to carry a commercial policy to limit your liability. If you or one of your employees experiences an at-fault accident on the job, your commercial auto insurance can help pay for property damage, injuries and fatalities.

Farm and Ranch Policy Umbrella Coverage

Umbrella coverage is a smart investment for farmers and ranchers considering that the average liability limit of a standard farm insurance policy is $1-$2 million and the potential for high-dollar claims in agribusiness.

Designed to increase your liability limits to match your actual risk exposure, an umbrella policy allows a farmer or rancher to increase coverage in $1 million increments up to $10 million or more. Umbrella coverage can help with the costs of remedying physical injuries to others, property damage and privacy/defamation lawsuits.

Agribusiness Risk Management

At Higginbotham, we help you prevent and minimize loss—not just cover it.

Higginbotham delivers year-round value with our Day Two Services® that support your risk management efforts throughout the term of your insurance policies.

We combine our pre- and post-loss capabilities for a 360-degree risk solution. To prevent loss, we identify exposures, review contracts, conduct safety training, validate certificates, support compliance and provide technology tools. To minimize loss after a claim, we report claims to carriers, analyze the insurance policies involved, work to maximize recoveries, offer litigation consultation and respond during catastrophes.

Our Day Two Services® help reduce your total cost of risk.

We are proud to serve a diverse array of agribusinesses:

  • Feedlots 
  • Seed Merchants 
  • Auction Barns 
  • Grain Dealers 
  • Wholesale Nurseries 
  • Commercial Sod Farming 
  • Dairies 
  • Fruit and Vegetable Growers and Packers 
  • Vineyards  
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Work with a farm and ranch insurance broker who knows your industry.

A great plan starts with a conversation. Let’s talk about what you need.

Talk to a Farm and Ranch Insurance Specialist

Request a Quote