Tag Archives: farm insurance

Ranch Insurance

Ranchers Insurance – What You Need To Know

When it comes to insurance needs, there is probably no single group more at risk than the California Rancher. When a ranch owner selects coverage, he is literally securing his livelihood, business, home and future. Being covered in the state of California carries certain legal responsibilities, that the insurance company can assist with. But it is more than that. The ranch provides food, shelter, income and stability. An unexpected event for the rancher can mean becoming homeless and put him out of business. It is absolutely necessary to make sure he has adequate coverage to allow him to survive and to put his ranch back in order.

Natural disasters

It is important to consider where your ranch is located. Are you in a flood zone or an area prone to wildfire? Of course, as with all insurance, you want to make sure your home, external structures and contents are covered. It is important to review your policy annually with your agent. People tend to buy insurance and forget it. Ranchers are busy and accumulate as they go, sometimes forgetting to call their agent about new equipment. It is critical that your coverage is ample to cover all your losses.


Livestock coverage could be the single point where ranchers are most under covered. Livestock are living breathing creatures and as such they will wander. If your livestock wanders off the ranch and causes an accident, are you covered? What if the person in the automobile dies? The additional premium for livestock accidental death is minimal and the protection is extremely important.

There are additional policies available for your protection against the death of livestock. This can mean your own or livestock that you do not own, but are allowed to be on your property (and under your care). If there is a death due to malfunction, causing suffocation or temperature related issues, you should have coverage that pays for the replacement of your livestock.


Crop insurance is also an important consideration. The types of coverage available vary depending on the crops planted. This is another area where a good relationship with your agent is important. Making sure you have proper coverage in place before you have a crop issue will make your life much easier.


Ranchers have many types of vehicles that may be used on the ranch. Your truck or car as well as another vehicle used for your business needs to be insured. This is not the place to cut corners. Your ranch is only producing if you can work.


If you employ people to work on your ranch, whether they are farm hands or relatives, you should have workers’ compensation insurance. A law suit from an employee being hurt on the job could cost thousands of dollars.

Protecting your family, home, business and investments are the very reason you purchase insurance. Making sure you are properly covered is the reason you have an agent.

3 Reasons Why The Orchard/Vineyard Coverage Endorsement Is So Important

If you farm an orchard and/or a vineyard the “Orchard/Vineyard Endorsement Coverage” is a must have on your Farm Insurance Policy. This coverage is very inexpensive for what it offers, sometimes under $100 a year. Find out why it is so important for you to have:

Trees, vines, stakes, and trellises coverage

This one is obvious, the carrier will cover loss or damage to your trees, vines, stakes, or trellises that are being used in the production of your orchard or vineyard. A common claim we see is when an orchard/vineyard is next to a road and a driver falls asleep veering into our insureds farm. This can be especially harmful on newly planted or young trees/vines as the chance of damage being done is greater to the orchard or vineyard.

This coverage is also in place for other losses such as fire. lightning, explosion, and aircraft.

Contamination of orchard and vineyards products coverage

This covers loss or damage to your production while in the in the orchard or vineyard caused by or resulting from “contamination” that occurs during harvesting.

Harvested orchard and vineyard products coverage

This coverage can be a little tricky as it has certain limits and exclusions. It’s main goal is to cover harvested orchard and/or vineyard products,
including related packing materials and containers, while:

  1. At your farm location
  2. In transit within 100 miles of your farm on a vehicle owned, hired or rented by you
  3. At a non-owned off premises processing facility

Depending on your carrier there are different limits for each of the above mentioned coverages. However, for $65-250 this endorsement is very valuable to your Farm Insurance Policy. If you have any questions in regards to other ways this may benefit your farm or to see if you have this coverage, please contact our farm insurance advisors.

Photo credit: Greg Petersen @ Trulight Photography