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Harper is a commercial insurance brokerage that specializes in two things:
Getting better rates on complete packages for businesses of all sizes.
Covering the complex cases that make other brokers run away.
Industry-Specific Expertise
Our insurance professionals understand farming operations, including seasonal production cycles, equipment requirements, livestock management, and weather-dependent risks specific to agricultural businesses and rural operations.
Comprehensive Risk Assessment
We evaluate your entire operation - from field preparation and planting to harvest and livestock management - ensuring all potential agricultural exposures receive proper coverage protection tailored to your farming practices.
Competitive Agricultural Solutions
Harper works with carriers specializing in farm and agricultural risks to secure coverage that fits your budget while providing adequate protection for your unique farming exposures and seasonal operations.
Agricultural Claims Expertise
Our team understands that agricultural claims require immediate attention during critical farming periods. We provide expert guidance throughout the claims process to minimize operational disruption and protect your agricultural livelihood.
Agricultural operations face unique challenges every day. From weather-related crop losses to livestock risks, Harper Insurance understands the complex exposures that farming businesses encounter while producing food, managing animals, and operating specialized equipment in unpredictable conditions.
Our comprehensive agriculture insurance policies are specifically designed for crop production, livestock operations, dairy farms, and agribusiness enterprises. Whether you operate a family farm or manage large-scale agricultural operations, we provide tailored coverage solutions that protect your crops, livestock, equipment, and agricultural livelihood.
Based on current industry insights, farmers.gov provides valuable resources for agricultural operations, including guidance on USDA programs and farm development support that complement proper insurance protection.
Federal and private crop protection against weather damage, drought, hail, disease, and natural disasters. Covers production losses and revenue protection for major crops including corn, soybeans, wheat, and specialty crops.
Comprehensive protection for cattle, hogs, poultry, and other farm animals against death, injury, and disease. Includes coverage for breeding stock, commercial livestock, and specialty animals with mortality protection.
Covers farm buildings, barns, equipment, and agricultural structures against fire, wind, hail, and other perils. Includes protection for grain storage facilities, livestock buildings, and specialized agricultural structures.
Specialized coverage for tractors, combines, irrigation systems, and farming machinery. Protects against theft, collision, vandalism, and mechanical breakdown of expensive agricultural equipment essential to operations.
Protects against third-party injuries and property damage occurring on your farm. Essential coverage for visitor accidents, product liability from farm products, and premises liability for agritourism activities.
Mandatory coverage for farm employees working with machinery, livestock, and hazardous farming activities. Covers medical expenses and lost wages for injuries from equipment operation and agricultural work.
Coverage for farm trucks, equipment transporters, and vehicles used in agricultural operations. Includes liability protection and physical damage coverage for vehicles essential to farming activities.
Professional protection for agricultural service providers including custom farming, aerial application, and agricultural consulting services with specialized liability coverage for professional agricultural services.
Grain & Row Crop Farming
Comprehensive protection for corn, soybean, wheat, and grain production including crop insurance, equipment coverage, and storage facility protection with harvest-specific coverage options.
Livestock & Dairy Operations
Specialized coverage for cattle ranching, dairy farming, and livestock production including animal mortality, milk production loss, and livestock facility protection with disease outbreak coverage.
Specialty Crop Production
Enhanced protection for fruit, vegetable, and specialty crop operations including greenhouse coverage, organic certification protection, and high-value crop insurance for unique agricultural products.
Poultry & Egg Production
Coverage for chicken farms, turkey operations, and egg production facilities including bird flu protection, equipment breakdown coverage, and specialized poultry building insurance.
Agricultural Services & Custom Work
Protection for custom farming operations, agricultural contractors, and farm service providers including equipment liability, professional service coverage, and specialized contractor protections.
Agritourism & Farm Markets
Liability coverage for farm stands, u-pick operations, corn mazes, and farm tourism activities including visitor liability protection and product sales coverage for direct marketing operations.
Weather & Natural Disasters
Hail damage, drought conditions, flooding, and severe weather events that can destroy crops, damage equipment, and disrupt agricultural operations throughout growing seasons.
Equipment & Machinery Risks
Expensive agricultural equipment breakdowns, theft of farm machinery, collision damage, and mechanical failures that can halt critical farming operations during time-sensitive periods.
Livestock Health Issues
Animal diseases, mortality events, breeding failures, and health emergencies that can result in significant livestock losses and income disruption for livestock operations.
Product Liability Exposures
Contamination claims, food safety issues, and product defect allegations arising from farm products sold directly to consumers or through agricultural marketing channels.
Environmental Concerns
Chemical application accidents, nutrient runoff issues, groundwater contamination, and environmental violations that can result in cleanup costs and regulatory penalties.
Seasonal Cash Flow Challenges
Weather-related income losses, crop failure impacts, and seasonal revenue fluctuations that can create significant financial stress between planting and harvest periods.
Protect your farming operation with comprehensive coverage designed for your agricultural needs. Our experienced agents understand farming risks and will work with you to build a protection plan that covers your specific crops, livestock, and agricultural exposures.
Key Benefits of Working with Harper:
Ready to protect your agricultural business? Contact Harper Insurance today for a comprehensive quote tailored to your farming operations and agricultural requirements.