Agriculture Insurance
Comprehensive insurance solutions for California farms, ranches, and agricultural operations
Insurance for Agricultural Operations
California is the nation's leading agricultural state, producing over 400 commodities. From the Central Valley to the coastal regions, agricultural operations face unique risks including weather events, pest damage, equipment breakdowns, and liability exposures that require specialized insurance solutions.
Why Specialized Agricultural Coverage Matters: Farming and ranching present risks that standard commercial insurance policies don't adequately address. Crop losses from drought, frost, or flooding; liability from farm operations; and equipment valued at hundreds of thousands of dollars all require coverage from carriers who understand agriculture.
We work with insurance carriers specializing in agriculture to provide comprehensive, affordable coverage for operations of all sizes.
Essential Agricultural Coverage
Complete protection for your farming operation
Farm Property & Buildings
Coverage for barns, silos, greenhouses, processing facilities, and stored crops from fire, wind, theft, and other covered perils.
Farm Equipment & Machinery
Protection for tractors, harvesters, irrigation systems, and other farming equipment from breakdowns, theft, and accidents.
General Liability
Covers third-party injury claims from farm visitors, agritourism activities, and damage caused by farming operations to neighboring properties.
Workers Compensation
Required coverage for farm employees exposed to machinery hazards, chemical exposure, heat illness, and repetitive motion injuries.
Product Liability
Coverage for claims arising from produce contamination, foodborne illness, or injuries caused by agricultural products you sell.
Commercial Auto
Coverage for farm trucks, trailers, and vehicles used to transport crops, livestock, equipment, and supplies.
Agricultural Operations We Cover
We provide insurance for all types of farming and agricultural operations:
Row crop and specialty crop farms
Vineyards and wineries
Dairy and livestock operations
Nurseries and greenhouse operations
Orchards and tree fruit farms
Organic and sustainable farms
Common Claim Scenarios
Real situations where agricultural insurance protects your operation
Equipment Breakdown
Your harvester breaks down during peak harvest season, requiring $40,000 in emergency repairs and causing crop loss from delayed harvesting.
Visitor Injury
A visitor at your farm stand slips on muddy ground and fractures their wrist, filing a liability claim against your operation.
Barn Fire
An electrical fault causes a fire that destroys a barn containing $200,000 worth of stored hay and farming equipment.
Pesticide Drift
Wind carries pesticide spray onto a neighboring organic farm, contaminating their crop and triggering a lawsuit for damages.
Related Insurance Products
Ready to Protect Your Farm?
Get comprehensive agricultural coverage tailored to your California farming operation.