Looking for Agriculture Insurance?
Protect your agricultural operation from liability claims, equipment damage, property loss, and on-site injuries. Harper provides insurance for crop farms, livestock operations, agritourism, and farm-to-market businesses, with fast certificates for lenders, landowners, and markets.
What is Agriculture Insurance?
Agricultural insurance protects farming operations against risks such as crop or livestock losses, equipment damage, visitor injuries, and property-related claims. Coverage commonly includes general liability, farm property, and operation-specific protections. Lenders, landowners, and agricultural programs often require proof of insurance before financing, leasing, or participation.
Crop & Livestock Protection
Coverage for losses related to weather events, disease, or covered farming operation risks.
Equipment & Property
Protects tractors, harvesters, irrigation systems, tools, and farm buildings used in daily operations.
Farm Liability
Covers injuries to visitors, vendors, or third parties arising from farm operations or agritourism activities.
Certificates
Fast proof of insurance for lenders, landowners, distributors, and farmers' markets.
Who Needs Agriculture Insurance?
- Crop farming operations : Businesses requiring specialized insurance coverage
- Livestock and dairy producers : Businesses requiring specialized insurance coverage
- Agritourism ventures : Businesses requiring specialized insurance coverage
- Greenhouse and specialty growers : Businesses requiring specialized insurance coverage
Why Harper?
Agriculture-Focused Expertise
Farming operations face unique risks, from weather exposure and heavy equipment to livestock care and public access. Harper understands these realities and offers coverage tailored to how agricultural businesses actually operate.
Fast Proof for Lenders and Markets
Banks, landowners, and farmers' markets often require specific insurance documentation. Harper delivers accurate certificates promptly and assists with additional-insured requests to prevent delays.
Clear, Practical Guidance
We explain coverage in straightforward terms, including liability, property, equipment, product liability, and agritourism, so you understand what applies to your operation and why.
Coverage Matched to Your Operation
Whether you grow row crops, raise livestock, operate a greenhouse, or sell directly to consumers, Harper helps align coverage with what you produce and how you sell.
Frequently Asked Questions
What insurance do farmers need?
Most farms need general liability and farm property coverage. Crop or livestock insurance may apply, and workers' compensation is required in most states if you have employees. Farms that sell directly to consumers often need product liability coverage.
Is agriculture insurance required?
Insurance is commonly required by lenders and landowners. Farmers' markets, distributors, and government programs may also require proof of coverage.
How much does farm insurance cost?
Costs vary by acreage, equipment, activities, and employees. Smaller farms may pay $1,000–$3,000 annually, while larger or diversified operations can range from $5,000 to $20,000 or more.
Does agriculture insurance cover weather damage?
Property coverage can protect buildings and equipment from covered weather events. Crop insurance may apply to production losses caused by weather, depending on the policy.
Does insurance cover equipment breakdown?
Standard property coverage may apply to damage from fire or theft. Equipment breakdown coverage can often be added for mechanical or electrical failures.
Can I add my landowner as an additional insured?
Yes. Harper assists with adding landowners or landlords as additional insureds to meet lease or financing requirements.