Buildings and mobile equipment
Identify barns, storage structures and equipment, including leased items. Ask how valuation, wind and hail deductibles, transportation and off-premises use are handled.
Business insurance
Agribusiness insurance
Agricultural businesses can involve buildings, machinery, animals, visitors and off-site operations. Their policy needs depend on the activity and property involved.
Understanding your options
What to know about agribusiness insurance
An agricultural operation may need to review buildings and equipment alongside liability arising from work, sales or visitors. Farm property, vehicle and crop policies address different risks; terms and availability vary.
What to compare
- List equipment that moves between farms or is used away from the premises.
- Distinguish farm buildings, stored commodities and property belonging to others.
- Review crop, vehicle and employee exposures separately.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Operations and visitors
Describe growing, livestock, processing, direct sales and agritourism activities accurately. Liability policies differ in the activities and locations they address; review exclusions and any special events.
Separate policies and records
Commercial auto, workers’ compensation and crop policies may address different exposures. Prepare a high-level inventory and locations for discussion; do not send sensitive financial information through the first website message.
Before you reach out
A few details can help start the conversation.
- A general description of agricultural operations
- Texas county and locations of buildings or equipment
- Questions about property, vehicles and liability
Common questions
Agribusiness insurance FAQ
Does a farm property policy automatically insure growing crops?
Do not assume it does. Crop insurance and farm property protection have different terms; ask how each crop and location would be treated.
Is machinery covered when used away from the farm?
It depends on the policy, equipment schedule, use and location. Review transit and off-premises terms as well as deductibles.
Are customers visiting the farm covered?
Review the activities, premises and liability exclusions in the policy. Direct sales, tours or events may need specific disclosure or additional terms.
Does farm coverage replace commercial auto insurance?
Vehicle liability and physical damage are separate questions. Identify how each vehicle is used and check the applicable auto policy.
Start a conversation
Ask about agribusiness insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.