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Commercial Farm Insurance

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Spotlight on: Agribusiness Insurance

Cultivate peace of mind.

The agriculture and farming industry is complex and ever-changing. With so many factors and risks at play, it’s crucial to safeguard your livelihood with the right business insurance coverage. But, figuring out what policies you need and navigating the options can be overwhelming.

That’s where Higginbotham comes in.

Our agribusiness insurance specialists work to understand your needs, determine the best solutions for your farming operation and find competitively priced coverage from national insurance carriers. With Higginbotham by your side, you can experience the confidence that comes from knowing your agribusiness is well-protected from the various risks it may encounter.

Who needs agribusiness insurance?

Our farm insurance specialty practice can provide coverage for a wide range of commercial farming operations, including:

Crop Farms

Commercial Sod Farms

Fruit and Vegetable Growers


Dairy Farms

Auction Barns

Livestock Farms

Wholesale Nurseries


Seed Merchants

Grain Dealers


Other Agricultural Businesses

Why Higginbotham?

Because we’re more than just farm insurance professionals.

At Higginbotham, we’re committed to providing agribusinesses with tailored commercial farm insurance plans that meet their specific needs. We start with listening and end with solutions that are personalized for your business, your team and your priorities.

And, we go beyond just providing insurance coverage — from risk management and contract review to certificate validation and claims management, we offer year-round value.

That’s the Higginbotham difference: more individual, less institutional. More time to focus on the growth of your farm, less time worrying if your business is protected.

Talk to an Agriculture Insurance Specialist

Common Commercial Farm Insurance Coverages

While your insurance needs may vary depending on the scale, scope and risks of your farming operations, some of the most common insurance coverage options for commercial farms include:

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General Liability Insurance

General liability insurance is crucial for farm owners, offering protection against third-party claims of bodily injury, property damage and personal and advertising injury. However, it doesn’t cover claims of professional negligence, contractual liability or intentional acts related to farm or ranch operations. So additional, more specialized coverage may be needed for commercial farm owners or operators.

Workers’ Compensation

Farming operations can be hazardous, and injuries are not uncommon. That’s why workers’ compensation insurance is a key liability coverage for agribusinesses, as it provides financial assistance for medical expenses, lost wages and rehabilitation costs if employees get injured or become ill due to their work-related duties.

Commercial Auto Insurance

Commercial auto insurance is essential for agribusinesses, including farms, as it can cover trucks, tractors and cars used for business operations. It provides coverage for liability, physical damage and medical payments, helping shield your business from financial losses originating from incidents or accidents involving business vehicles.

Equipment Breakdown

Regardless of the crops you grow, you need equipment to run your farm. And, if you’re like most farmers, you lease or own expensive farm equipment that’s crucial to your daily work. Equipment breakdown coverage can help with the costs of repairing or replacing this equipment, including tractors, heavy machinery, watering and irrigation systems, milking equipment, feeding systems, generators, well pumps, conveyors and more. When this equipment breaks down, it can be costly, especially during harvest or other crucial times, so having equipment breakdown insurance is critical.

Commercial Property Insurance

Commercial property insurance safeguards your farm’s physical assets, such as farm structures, equipment, outbuildings and inventory, from a variety of risks. It covers losses resulting from events like fire, theft, vandalism, storms and other covered perils. However, a commercial property insurance policy generally doesn’t provide coverage for losses resulting from floods, earthquakes or other natural disasters, nor does it cover losses caused by negligence or intentional acts. Your insurance agent or broker can assist you in securing the best coverage options for your business.

Crop Insurance

Crop insurance provides financial security against losses resulting from natural catastrophes, infestations and other potential risks. With crop insurance, you can have greater financial security and peace of mind knowing that your crops are protected.

Livestock Insurance

Livestock insurance is a specialized form of commercial farm insurance that covers your valuable livestock from loss or damage caused by illness, injury, theft or other covered perils. It generally covers the replacement or restoration of your livestock, including medical treatment for your injured animals or livestock transportation costs.

The Importance of Having a Risk Manager on Your Side

As a farm owner or operator, you’re no stranger to the risks that come with managing an agricultural business, and you deserve an insurance broker who understands these risks and works to protect your livelihood from them. Our team of commercial farm insurance specialists will review your existing policy to make sure it’s suitable for your needs, offer guidance on the optimal coverage for your business and leverage our carrier relationships to secure competitive rates.

With our commercial insurance and risk management solutions, we offer year-round support for your business, helping you manage claims as they arise and implement risk-mitigating strategies where needed.

Higginbotham’s Risk Management Services

What risks do commercial farms face?

Farming is a unique industry, and commercial farming operations encounter a variety of risks. Understanding the potential exposures and proactively addressing them can help your agribusiness’s long-term success and profitability. These risks can include:

Production Risks

  • Drought
  • Pests
  • Diseases
  • Extreme weather events
  • Soil degradation
  • Technology failures or equipment breakdown

Marketing Risks

  • Price volatility
  • Supply chain disruptions
  • Trade restrictions
  • Consumer preferences
  • Global competition
  • Brand reputation

Financial Risks

  • High input costs
  • Interest rate fluctuation
  • Credit availability
  • Currency exchange rates
  • Cash flow

Legal and Environmental Risks

  • Regulatory compliance
  • Land use restrictions
  • Environmental impact
  • Water rights and usage

Human Resource Management Risks

  • Labor safety
  • Recruitment and retention
  • Worker health and welfare
  • Employee training
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Work with a commercial farm insurance broker who knows your industry.

Commercial farm insurance is crucial in shielding your agribusiness from a wide range of risks and challenges. With the right coverage and risk management strategies, you can have greater confidence in your farming operation’s future success and stability.

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

Talk to an Agribusiness Insurance Specialist

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