Insurance for cattle farms and ranches

Markel Specialty’s cattle farm and ranch insurance can provide the coverage you need

A cattle farm or ranch needs specialized insurance protection to cover both livestock and property.

With over 50 years of experience writing livestock insurance, we understand the risks and liabilities cattle farm and ranch owners like you are exposed to. As a cattle rancher, you need to cover your home, barns, outbuildings, equipment, and more.

Markel Specialty’s cattle farm and ranch coverage provides affordable, customizable insurance protection for your everyday lifestyle and business. And, by combining liability with property in our cattle farm and ranch policy, you can save money and get the needed protection for both in one policy.

Why do I need insurance for my cattle farm and ranch?

It’s critical to have insurance protection against claims you may experience when managing your farm or ranch business. Unfortunately, many insurers don’t fully understand the ins-and-outs of the cattle business, which means your current policy may be insufficient.

Markel Specialty has livestock specialists who can help create customized insurance solutions to meet your needs. We can provide liability, medical payments, along with property coverage for your home, stables, equipment, vehicles, valuables, and more—all in one policy.

Don't wait until you file a claim to find out if you have the proper insurance protection for your cattle farm or ranch. Get a free quote today.

What can cattle farm and ranch insurance cover?

Our cattle farm and ranch package can provide affordable property and liability coverage.

• Choose from several property deductible amounts according to your budget
• Choose Basic, Broad, or Special coverage for loss for property
• Personal liability available for owner occupied dwellings
• Commercial general liability coverage applies on and off premises in the U.S. and U.S. Territories
• Limited professional liability coverage for horse trainers, riding instructors, and clinicians
• No deductible on liability claims
• We can cover the cost of your legal defense in excess of policy limit

Dwelling coverage
You can get coverage for both owner-occupied and employee-occupied dwellings. Replacement cost is included when the dwelling structure is insured to 80% or more of replacement cost value.

Equipment coverage
Scheduled or blanket equipment coverage available for farm risks. Equipment valuation is offered at actual cash value.

Farm structure coverage
Insurance protection for many types of farm structures can be scheduled on your Markel Specialty policy. Replacement cost or actual cash value can be provided based on insurance to value requirements.

Liability coverage
To meet your ever-growing exposures, your policy can offer limits up to $1 million per occurrence/$3 million aggregate. Per occurrence is the maximum amount paid on a covered individual claim. Aggregate is the maximum amount paid on all covered claims combined, within the policy period.

Additional coverages
Your farm and ranch policy can be tailored to help meet your agricultural needs:

• Disruption of farming (loss of income due to covered cause of loss to a stable or barn)
• Livestock coverage (named perils up to $2,000 per head)
• Coverage for scheduled personal property (jewelry, fine arts, guns, sports equipment, etc.)
• Animal collision
• Systems breakdown
• Crime
• Employee benefits
• Chemical drift

Property enhancements
Choose our Ag Essential or Ag Premier for enhanced property coverage. Here are a few coverage highlights:

• Increased sublimits for property coverages
• Increased pollutant clean-up coverage ($25,000)
• Green upgrades coverage ($5,000)
• Water back-up endorsement
• New construction increased limits
• Disruption of farming operations

• Increased medical payments
• Additional insured – when required by written contract or agreement
• Waived transfer of rights of recovery against others to us