Insurance for farms and ranches

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

Let our farm and ranch insurance help keep your operation protected.

With over 50 years of experience insuring agriculture-related accounts, we understand the risks and liabilities that farm and ranch owners like you are exposed to. As a farmer or rancher, your insurance should cover your home and property, as well as provide personal/business liability protection.

Markel Specialty’s farm and ranch insurance policies can provide coverage for both your commercial and personal insurance requirements. We insure almost any type of small and mid-size agricultural operation, including:

• Livestock operations
• Grain operations
• Hay and forage
• Row and field crops
• Fruits and vegetables
• Orchards and vineyards
• Roadside stands

Why do I need insurance for my farm or ranch?

Your farm is a complex operation that requires specialized insurance protection. That’s why you need Markel Specialty insurance created specifically for farms and ranches.

Here are some actual claims we’ve paid out to our customers*:

• Our customer’s cattle got out and fell into the swimming pool, causing damage to the pool structure.
• A hay stack caught on fire due to spontaneous combustion.
• Our customer unknowingly sold moldy hay to another farmer and his cattle got sick from eating it.
• A hay baler caught a rock and damaged the combine.
• A visitor suffered injuries after tripping on our customer’s property.

Don't wait until you file a claim to find out if you have the proper insurance protection for your farm or ranch. Contact one of our appointed Markel Specialty agents to get quote today.

*These examples are provided for illustrative purposes only. Any claim submitted under the policy would be evaluated on its own merits and facts compared to the terms of the policy.

What can farm and ranch insurance cover?

An insurance policy from Markel Specialty can give you affordable coverage for both your farm and home.

• Choose from several property deductible amounts according to your budget
• Choose basic, broad, or special coverage for loss of 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
• Coverage for the cost of your legal defense in excess of the 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 almost all of 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 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
• Waiver of transfer of rights of recovery against others to us