1. Land + Equipment = Big Investments
Tractors, harvesters, barns, fencing, irrigation systems—it adds up fast. Protect what keeps your operation running.
Farms, Ranches, & Wineries
Protecting the Harvest: Smart Insurance for Farms & Wineries
Running a farm or winery is more than a business—it’s a way of life. From equipment and crops to tasting rooms and livestock, every part of your operation needs protection. We offer customized insurance solutions for farmers, vineyard owners, and winery operators who want to safeguard their livelihood from the unexpected.
Who We Serve
Whether your operation is family-owned, expanding, or part of a larger agricultural business, we understand the challenges you face—and we’re here to help protect your hard work. We work with:
Family Farms & Ranches
Commercial Crop Growers
Vineyards & Grape Growers
Hobby Farms & Homesteads
Wineries with Tasting Rooms or Events
Farms with Livestock, Orchards, or Specialty Crops
No two farms are alike, and your insurance shouldn’t be either. We tailor each policy to your operation’s size, setup, and exposures.
Why Specialized Coverage Matters
Farms and wineries face a wide range of risks—from severe weather to injured guests, crop loss to equipment breakdowns. Standard business or homeowners policies often fall short when it comes to the complex, mixed-use nature of agriculture.
Here’s why you need tailored protection.
2. Multiple Risk Areas
You may live on the property, run a business from it, and host the public—each with different insurance needs.
3. Seasonal Revenue
One bad storm or fire could wipe out a year’s income. Insurance helps you stay on your feet.
4. Public Exposure
Tours, tastings, and events all increase your liability risk. Make sure you’re covered.
5. Compliance Needs
Many states, lenders, and distributors require specific types of coverage to do business.
Recommended Insurance
What Kind of Insurance Do Farms and Wineries Need?
We’ll work with you to create a comprehensive policy that fits your operation. Coverage may include:
Farm Property Insurance
Covers barns, sheds, silos, equipment, fencing, irrigation systems, and more against fire, storm, theft, and vandalism.
Crop & Livestock Coverage
Optional protection against crop loss due to natural disasters, and livestock coverage for illness, injury, or loss.
Winery & Vineyard Insurance
Covers grape crops, wine inventory, production equipment, and liability for tastings, tours, and off-site events.
Farm Dwelling Coverage
If you live on the property, this covers your home and contents under a unified farm policy.
General Liability
Protects you if someone is injured on your property or you’re held responsible for damage to others.
Product Liability
Especially important for wineries—covers claims related to bottled wine or food products sold on or off the premises.
Farm Auto
Covers vehicles used for both personal and business purposes, including trucks, ATVs, and trailers.
Farm Umbrella Policy
An extra layer of liability coverage that extends beyond the limits of your primary policies.
