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Farm Insurance 101

Farming is more than just a profession; it’s a way of life. Whether you operate a small family farm or manage a large agricultural enterprise, protecting your livelihood and assets is paramount. Farm insurance offers essential coverage tailored to the unique risks and challenges faced by farmers and ranchers.


Key Components of Farm Insurance

Property Coverage

● Dwelling and Structures: Protects your farmhouse, barns, silos, and other structures on your property against damage from fire, storms, vandalism, and other perils.

● Equipment and Machinery: Covers the cost of repair or replacement for farm machinery, tractors, irrigation systems, and other essential equipment damaged by accidents or mechanical breakdowns.

● Livestock and Crops: Offers coverage for livestock mortality, crop loss due to adverse weather conditions, disease outbreaks, or pest infestations.


Liability Protection

● General Liability: Shields you from financial liability for bodily injury or property damage claims arising from accidents or incidents that occur on your farm, such as slip-and-fall accidents or animal-related injuries.

● Product Liability: Provides coverage for legal expenses and damages resulting from claims related to defective or contaminated agricultural products, including crops, produce, and livestock.

● Pollution Liability: Protects you against environmental liabilities and cleanup costs associated with accidental spills, leaks, or pollution incidents on your farm.


Additional Coverages:

● Farm Auto Insurance: Provides liability and physical damage coverage for farm vehicles, trucks, and trailers used in agricultural operations, as well as coverage for hired and non-owned vehicles.

● Workers Compensation: Offers protection for farm employees by providing benefits for work-related injuries or illnesses, including medical expenses, disability benefits, and lost wages.

● Crop Insurance: Safeguards farmers against crop failure, yield reductions, or price fluctuations caused by adverse weather, natural disasters, or market volatility.


When selecting a farm insurance policy, it’s essential to assess your specific risks and coverage needs based on the size and scope of your operation, types of crops and livestock, geographic location, and regulatory requirements. Work with your local Farmers Union insurance agent to customize a policy that provides adequate protection

With more than 55 agents and 60 locations across the state of Montana, Farmers Union Insurance is equipped to guide you in important insurance decisions to protect what matters most to you. To find your local agent, click here.

Disclaimer: The content provided in this blog is for informational purposes and should not be considered an offer for coverage. Each insurance policy is unique and may have varying terms, conditions, and exclusions. It is essential to consult with a qualified insurance professional or licensed agent for personalized advice tailored to your specific needs. This blog does not constitute a contract, policy, or guarantee of coverage. Always refer to your individual policy documents for full details.


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