Farm & Ranch Insurance Solutions

Protect your investment with customizable coverage 

Coverage Options:

• Full Mortality – Covers death from accident, injury, sickness, disease, or theft 
• Limited Mortality – Covers specific named perils (excluding certain diseases)
• Emergency Colic Surgery – Included in Full Mortality coverage
• Major Medical – Covers veterinary medical and surgical expenses
• Loss of Use – Optional endorsement for animals no longer fit for intended use
• Theft Coverage – Standard in Full Mortality; optional in Limited Mortality
• Renewal Protection – Coverage can be renewed for animals with certain conditions
• Proof of Value – Required if coverage exceeds the animal’s purchase price 
• Extended Coverage – Protection may continue after policy ends for certain causes of death

Protection That Grows With You

The small farm takes many forms. Some fill farmers markets. Some supply their communities. Others simply put fresh food on their own table. Whether you raise a few animals or manage a productive piece of ground, we offer flexible insurance coverage built for how you live and work.

We understand that for small farm and acreage owners, it’s more than just property — it’s a way of life.

Core Coverage Includes:

• Your home, barns, outbuildings, and acreage
• Damage from windstorms, hail, fire, theft — even identity theft 
• Mechanical breakdowns and utility service line failures
• Farm tools, machinery, livestock, and supplies

Country Estate with Equine Coverage 

• Add equine-specific protection to your policy:
• Horses in your care, custody, or control
• Liability for shows, clinics, and other horse-related events
• Tack and equipment belonging to others

Coverage Built to Fit Your Farm

No two properties are alike. Let’s build a plan that fits your lifestyle and your land.

Coverage That Works as Hard as You Do

This flexible, all-in-one insurance program lets you customize your protection to match your operation — whether you raise livestock, grow crops, or run a mixed-use farm.

We don’t just protect property — we help protect your livelihood, your land, and your legacy.

Liability Coverage

• Personal and business liability
• Farm liability
• Equine liability
• Commercial auto
• Umbrella policies (farm, personal, and commercial) 
• Fire and legal liability

Property Coverage

• Equipment breakdown 
• Buildings, barns, and contents 
• Livestock
• Farm machinery and tools
• Farm income loss
• Residences and household contents
• Personal property and vehicles

Lets's Build Your Custom Coverage

Every farm is different — your insurance should be too.
Let us help you tailor a plan that fits your needs and protects everything you care about.
 

Complete Protection for the People Behind the Horses

With the time, money, and heart you put into your animals, you deserve coverage that’s built to protect everything — from your barn to your business.

Whether you’re a trainer, instructor, boarding facility owner, or carriage ride operator, this policy provides broad liability and property protection designed specifically for equine professionals.

Liability Coverage

• Riding instruction and lesson programs 
• Participants and activities at shows, clinics, or events
• Boarding operations
• Hay rides, sleigh rides, carriage and buggy services

Optional Enhancements

• Coverage for valuable paper records and computer equipment
• Non-owned tack and equipment
• Golf carts, ATVs, and vehicles used for business
• Show judge liability 
• Horses in your care, custody, or control (not owned by you)

Property Coverage

• Residences and household contents
• Barns, tack rooms, and farm machinery
• Hay, feed, and grain
• Farm products and supplies

Protect Your Passion

Let us help you build a custom policy that fits your equine business and your lifestyle.