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Farm & RanchInsurance

Comprehensive coverage designed to protect your farm, ranch, and equine business.

Coverage

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For equine professionals, a Commercial Equine Liability policy protects you against risks associated with boarding, breeding, training, and riding instruction—Equine Commercial Liability Insurance protects you from claims for bodily injury or property damage to a third party tied to your operations.

Farm Owners Insurance Package

A Farm Owners Insurance Package provides all-in-one coverage.

Coverage For

  • Dwellings and household contents
  • Barns, outbuildings, and farm structures
  • Farm equipment, including but not limited to machinery, all-terrain vehicles, tack, tools, grain, and hay
  • Farm personal property and livestock
  • Farm liability and personal liability
  • Umbrella (excess) liability for extended protection
  • Auto insurance available on qualifying farm accounts

This customizable package ensures your farm operation is protected against property damage, liability risks, and unforeseen events that could impact your livelihood.

Property Insurance

Farm equipment and farm personal property, such as:

Coverage Includes

  • Dwellings and household contents
  • Barns, outbuildings, and farm structures, including grain bins
  • Farm equipment, including but not limited to machinery, all-terrain vehicles (ATVs), tack, tools, grain, and hay

Livestock Insurance

Protect your livestock, such as cattle or horses, against losses due to natural disasters or accidents. Thus, ensuring that you can recover from unexpected events without devastating financial loss. Livestock can be insured under a farm policy.

Named perils such as, but not limited to

  • Fire
  • Lightning
  • Windstorm
  • Flood
  • Collision

Farm & Commercial Equine Liability

For equine professionals, our Commercial Equine Liability Insurance protects against risks associated with boarding, breeding, training, and riding instruction—Equine Commercial Liability Insurance protects you from claims of injury or property damage tied to your operations.

Coverage Extends To

  • Horse sales operations
  • Horse shows, clinics, and day camps
  • Equine professional services
  • Therapeutic riding programs

Not Covered

  • Public trail rides
  • Pony rides
  • Birthday parties
  • Petting zoos
  • Rough stock events

Coverage Includes

  • Bodily Injury: Injuries to clients, visitors, or vendors on your property or during equine activities (employees excluded — separate Workers’ Compensation is needed)
  • Property Damage: Damage to others’ property caused by horse activities.
  • Professional Liability: Coverage for claims of negligence in services like training or instruction.
  • Personal Injury: Protection against claims of libel, slander, or false advertising.
  • Legal Defense: Covers the cost to defend against lawsuits, even if the claims are groundless.

Limits available up to $1,000,000 per occurrence.

Equine Care, Custody & Control Insurance (CCC)

If your business is involved in the equine industry, such as horse boarding facilities, riding schools, training stables, and equestrian event organizers, this coverage is essential. Standard farm liability insurance does not cover non-owned horses under your care—this policy fills the gap and protects you from liability in case of injury, illness, or loss of a client’s horse due to yours or an employee’s negligence.

What it Covers

  • Veterinary expenses if a horse is injured due to your negligence
  • Policy will pay up the selected limit in the event of a horse’s death caused by your negligence
  • Attorney fees for defense cost in the event of a lawsuit
Does NOT apply to horses you personally own or lease (for that, consider Equine Mortality Insurance).

CCC coverage is typically added as an endorsement to your commercial equine liability policy, with policy limits customized to fit your level of risk and responsibility.

Horse Show & Event Liability

Whether you’re hosting a horse show, clinic, or equine event, this policy provides protection. This coverage protects against bodily injury or property damage claims that may arise from your event. Policies are available for single events or on an annual basis.

Provides Protection For

  • The event organizer or organization
  • Show officials and staff
  • The venue and property owner
Limits up to $1,000,000 per occurrence.

Personal Horse Owner Liability

Standard homeowners or personal liability policies may not provide sufficient coverage for horse owners. Our Individual Horse Owner Liability Policy ensures you’re protected. This coverage is designed for personal or show horse owners who do not derive income from equine activities.

Provides Protection If

  • Causes bodily injury to a third party
  • Damages someone else’s property
Limits up to $1,000,000 per occurrence.

Excess Liability Coverage

For farm owners, equine professionals, and event organizers seeking additional protection beyond standard liability limits, Excess Liability Insurance provides increased coverage for greater peace of mind.

  • Increased coverage beyond Farm, Commercial Equine, or Event Liability limits.
  • Protects against large lawsuits for injury, property damage, or legal claims.
  • Covers legal defense, settlements, and judgments exceeding primary policy limits.

Farm & Ranch, Liability, and Auto Claims

If you need to file a Farm & Ranch, Liability, or Auto claim, please contact your insurance provider’s claims department directly using the information below:

What You'll Need

  • Your contact information (address, phone, email) 
  • Policy number 
  • Details regarding the loss and date it occurred 

Claim Reporting Contacts

  • American Reliable Insurance Co. (888) 717-8090
  • Chubb Agribusiness (800) 585-9624 
  • Liberty Mutual (844) 961-0334
  • Markel (800) 842-5017
  • State Auto ( 877) 722-5246
  • Travelers Agribusiness (800) 252-2268
  • Texas Mutual (800)-859-5995
  • Bascule Underwriting  (877) 474-5006 (option 1)

Ensure your claims process is handled correctly!

For guidance and support, our team is here to help you navigate the claims process smoothly. Contact us as soon as possible in the event of an incident.
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