Farm and Ranch Insurance

We’re here to help you manage the inherent risks of your work by providing the farm insurance products you need to grow and to thrive.

Farmer overlooking his field during harvest.

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Customized Insurance for Farmers

Like many farm insurance carriers, Westfield’s standard policies typically include farm equipment, liability, home, and outbuilding insurance. But we know there is nothing standard about the way you run your farm, and we believe your coverage should absolutely reflect that.

That’s why we provide a complete suite of farm-specific coverages to help you protect your harvested crops, dairy, confinement, and agri-tainment operations. Plus, we also offer customizable insurance for farm animals and livestock, as well as commercial agribusiness coverages for manufacturers, processors, wholesalers, and more.

Specialty and Row Crop Farm Insurance

From fruits and nuts to corn and soybeans, we understand the need for both basic and unique coverage options. Depending on your operations, our policies can be written to include:

Replacement cost coverage for grain storage facilities
Cab glass breakage
Broadened coverage for silo unloaders
Farm earnings and extra expenses
Farm equipment on a scheduled or blanket basis
Limited pollution liability coverage up to $1,000,000
On and off-premises ATV liability coverage
Peak season coverage for increased seed storage before planting and grain storage after harvest
Rented or borrowed farm equipment
Various auto coverages, depending on locations

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Dairy Insurance

Your dairy operation requires thoughtful coverages that address the risks associated with your herd, property, and equipment. You can typically customize your policy with specific coverages for your dairy operation, including:

Milk contamination and/or spoilage coverage options
Attacks by dogs or wild animals
Electrocution
Farm earnings and extra expense
Foreign object ingestion without a sublimit (when the special form cause of loss is in use)
Limited pollution liability coverage of $500,000Loading and unloading accidents
On and off-premises ATV liability coverage
Peak season coverage for items that fluctuate in values throughout the year, such as seed you’re waiting to plant or increased grain storage after harvest
Rented or borrowed farm equipment
Silo unloader – broadened coverage
Sudden and accidental collision damage causing death
Suffocation
Various auto, inland marine, and property coverages

Man checking on pigs in a confinement facility.

Livestock Confinement Insurance

The livestock you raise is critical to your success, but so are the barns and confinements that keep your operations running smoothly. Our poultry and hog confinement insurance policies can be written to include:

Equipment used in the service of the building (such as water pumps, motors, and outdoor equipment)
Furniture, fixtures, machinery, and equipment used for the operation of the building (located in, on, or within 100 feet of the building)
Foreign object ingestion without a sublimit (when the special form cause of loss is in use)
Care, custody, and control for poultry, swine, and other livestock
Limited pollution liability coverage up to $500k
Farm earnings and extra expense
On and off-premises ATV liability coverage
Loading and unloading accidents
Suffocation
Various auto, inland marine, and property coverages

Farm Animal and Livestock Coverages

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Help Protect Your Family and Home From Electrical

As a valued farm policyholder, you can receive a Ting sensor and three years of service — at no cost to you.* Ting is proven to help prevent 4 out of 5 electrical fires by monitoring your electrical network for fire hazards. See how Ting can provide added protection and peace of mind.

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Customize Your Policy

Agribusiness Insurance Coverages and Endorsements

Equipment Breakdown Insurance
Get your farm equipment back up and running after mechanical and electrical breakdowns or utility service interruptions.
Workers’ Compensation Insurance
Help protect the people that are critical to your farming operation with our robust suite of workers’ compensation programs.
Commercial Umbrella Insurance
Add extra peace of mind with a farm umbrella policy that helps protect you if a large claim is filed against you.
Commercial Auto Insurance
Make your policy stronger by protecting the vehicles that make your farming operation possible.

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Get a Farm Insurance Quote

From fruits to dairy to grains, we offer farm insurance policies tailored to your specific operations. Connect with a local agent to see if Westfield is the right farm insurance carrier for you.

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Farm and Ranch Insurance

Frequently Asked Questions

What is covered by farm or agribusiness insurance?

Our standard policies typically include the following coverages:

Farm equipment insurance
Farm liability insurance
Farm home insurance
Outbuilding insurance

Additionally, you can customize your policy with optional endorsements, including protection for your vehicles, equipment, workers, and more.

How much is farm insurance?

Just as all farms are unique, so are the insurance policies that help protect them. Your premium is based on many factors, but here are some of the most common ones:

Operations of the farm
Location of the farm
Weather in the area
Age of the home, outbuildings, equipment, etc.
Materials used to build the home and outbuildings
Your credit score and other financial factors

Connect with an insurance agent for a quote.

Do farm vehicles need insurance?

It’s almost always a good idea to add vehicle protection to your farm insurance policy. This coverage can help safeguard against accidents and unexpected events like a hailstorm or theft.

Is farm equipment covered?

Typically, farm equipment is covered in a standard farm insurance policy. Plus, you can add on equipment breakdown coverage for protection against mechanical and electrical breakdowns or utility service interruptions.

Is my livestock covered?

Depending on your operations, your farm insurance policy can typically help cover your livestock and other farm animals.

Are farm outbuildings covered?

Yes, farm outbuildings are commonly covered in standard farm insurance policies.

Why do I need a farm policy?

Farming can be unpredictable, so adding peace of mind and protection through an insurance policy is usually a smart choice. Farm insurance can help protect your crops, livestock, property, and livelihood. Contact a Westfield agent to get a farm insurance quote.

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* Must have a current Westfield farm policy with an owner-occupied dwelling to be eligible for Ting.