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Farm and ranch insurance


Farm and ranch owners have a different lifestyle than other businesses, which translates into unique insurance needs. Traditional coverage may not adequately respond to those needs. Travelers Agribusiness can help insure this special way of life for virtually all farms and ranches, including large commercial growers, packers, equine and dairy. Our agents will work with you to design the appropriate coverage at the appropriate price. Travelers customers can expect excellent service from our dedicated Agribusiness underwriters, risk control specialists and claim handlers. As one of the largest longtime providers of agribusiness insurance, Travelers Agribusiness is in-synch with customer needs, while providing competitively priced programs for farms, ranches and large commercial growers of agricultural products.

We don't just insure the tractor, we insure a way of life.

Optional farm and ranch insurance coverage enhancements

  • Agri Plus II Endorsement
    • $100,000 limit for hay per stack (increased from $50,000)
    • $500,000 for newly purchased farm machinery and equipment (increased from $250,000)
    • $10,000 rental reimbursement for mobile farm machinery and equipment
    • Replacement cost value for partial loss of agricultural machinery

Special coverages for horse owner

  • Equine property endorsement:
    • Up to $10,000 for damage or loss to tack and equipment
    • $1,500 for spoilage of animal health products
  • Stable liability
  • Care, custody and control
  • Equine mortality:
    • Including accident, injury, sickness and disease
  • Dairy endorsement:
    • Spoilage coverage for owned milk up to $10,000
    • Contamination of owned milk up to $10,000
    • Contamination of non-owned milk
    • Livestock collision coverage for $2,000 per animal
    • Livestock theft coverage for $1,000 per animal and $5,000 per occurrence

Other optional coverages and endorsements

  • High value dwelling coverage - Comprehensive coverages for homes valued over $1,000,000
  • Vineyards and wineries customized coverage (See Vineyard and Winery section)
  • Collision resulting in death of livestock
  • Livestock breeders floater
  • Beekeepers endorsement

Standard coverages

Farm dwelling:

  • Farm dwellings and structures attached to covered dwellings
  • Replacement cost on dwelling up to 125%

Other private structures:

  • Unattached structures appurtenant to the dwelling, $250 on outdoor radio and TV antennas and satellite dishes

Household personal property:

  • Increased special limits of insurance
    • $3,000 for money or gold
    • $5,000 for securities or letters of credit
    • $10,000 for business property on the insured location
    • $2,500 for business property off the insured location
    • $500 for credit card and fund transfer card forgery and counterfeit money

Additional living expense:

  • Coverage for necessary increases in living expense if a covered cause of loss renders your home uninhabitable

Scheduled farm personal property:

  • Farm machinery, irrigation equipment and livestock
  • Newly acquired farm machinery is automatically covered for $100,000 for 60 days
  • Primary coverage for borrowed, rented or leased farm machinery
  • Enhanced pollutant cleanup endorsement (increased limits ranging from $25,000 to $100,000) coverage applies on or away from insured premises if the discharge is caused by collision, upset or overturn of a vehicle or its trailer

Blanket or unscheduled farm personal property:

  • Farm machinery, irrigation equipment and livestock
  • Unscheduled farm machinery and equipment on or away from insured location
  • Cost of restoring farm operations records up to $2,000

Other farm structures:

  • Farm buildings and structures other than dwellings
  • Newly constructed farm structures automatically covered for $250,000 for 60 days
  • Private power and light poles
  • Fences, corrals, pens, chutes and feed racks
  • Silos, portable buildings and portable structures

Liability coverages:

  • Basic and comprehensive liability coverage for bodily injury and property damage to others
  • Fire legal liability for $50,000

Additional coverages at no extra cost:

  • Pollutant cleanup and debris removal for $10,000 (can be increased for an additional premium)
  • No deductible for cab glass in scheduled machinery and equipment
  • Farm machinery damaged by contact with roadbed or ground as well as damage caused by contact between a tractor and an implement during towing, hitching or unhitching operations when Special Perils are selected.

Tailored coverages

  • "Insurance in-synch" means the ability to develop a comprehensive, specialized insurance program designed to meet your individual needs. We can help you control your exposure to loss, whether property, liability or automobile.

Contact your local Travelers Independent Agent for a more comprehensive review of the coverages we offer.

For more information click on Find an Agent and select Agribusiness

This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions, and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations.

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