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.

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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

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Policies that fit your unique responsibilities and exposures – whether you’re a private, public, nonprofit or financial institution.

We understand the complexity of cyber threats and have cyber liability insurance solutions to help protect your business assets.

Related services

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. 

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.


Insights to help you manage risks at work and on the road

Business person smiling and carrying a red folder.

Find an insurance agent

Get coverage for your unique professional risks.