Farm & Ranch Insurance

        Farm & Ranch Insurance can protect your farm business from many risks you have as a business owner and can help it be a safer investment.

Why we're different from the other online business insurance sites:

• Quotes Quick - We do our best to expedite your quote.
• Service After the Sale - Local friendly service for over 30 years.
• Knowledgeable Help - We help you understand your insurance choices.
• Broad Range - We offer a wide range of insurance programs.
• Walk-in Service Available - Visit us at our South Austin office - Map, Directions and Contact Information
        

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Types of Farm & Ranch Insurance Policies:

Farm & Ranch Owner's Policy (FRO-A & FRO-B) - Intended for the family farm, a Texas Farm & Ranch Owner's policy (either basic perils "Form A" or broad perils "Form B") is a coordinated package providing both personal & agricultural business insurance protection. Coverage typically includes the farmhouse, personal contents, loss of use plus personal and farm liability. Coverage can be extended to add farm structures (barns, workshops, silos, etc.), schedule agricultural equipment (tractors, implements, etc.) and the risk of animal loss from collision.
 
Commercial Package Policy - Commercial insurance policies can be used for Farm / Ranch business. A business insurance "package policy" can be custom tailored to fit the needs of most agricultural businesses. Protection can be offered for Farm Liability plus Farm / Ranch equipment, buildings and other property risks. Generally, commercial insurance contracts are used in situations that don't include an on-site farm or ranch owner or for larger agricultural operations. See Business Insurance for more information on commercial insurance contracts.
 
Commercial General Liability - This commercial insurance policy is often used in farm / ranch situations in which the main concern is the premise liability risk for the property owner of rural land. An example would be the landowner has leased the property for cattle grazing. The farmer / leasee would have their own insurance to cover the risks of the cattle operation but the landowner / leasor would have a Commercial General Liability contract to protect them from liability risks involving their land ownership. See Business Insurance for more information on commercial insurance contracts.

Special Insurance Issues for Farm & Ranch Owners:

Farm / Ranch Vehicles - Many farm activities require using trucks and trailers. These vehicles often need to be rated for the farm use on a commercial auto policy. For more information see: Business Vehicle Insurance
 
Custom Farming / Ranching -  Custom Farming is leasing land for farm production or cattle grazing. Both the landlord and the tenant farmer / rancher need to be insured. The landowner particularly needs to be protected from the many liability risks of owning rural land. The Tenant Farmer needs insurance coverage for their farm / ranch operations.
 
Agricultural Buildings & Equipment - Your investment in structures, tractors and other equipment used to operate your agricultural business can  be an important risk to insure.
 
Animal Collision - Particularly important in cattle country, Animal Collision provides financial compensation after the death of livestock due to an auto collision.
 
Farmworkers / Ranchhands - Farm & Ranch operations often use hired workers and often involve activities that have the potential of work related injuries. Workers Compensation Insurance provides insurance protection for the employer from the risk of workers getting injured or sick while at work. It also provides compensation for the injured employee including lost wages and medical costs. Two main components: Statutory Worker's Compensation (per Texas State Law) & Employer Liability.
 
Very important: An employer that opts not to purchase Worker's Compensation is stripped of their common law defense for a worker injury. Without Worker's Compensation Insurance, your agricultural business is one employee injury away from disaster.  For more information, see Essay: Why Work Comp