Farm Insurance provided by Browne Insurance Services

Farm and ranch owners insurance is dual coverage that protects your operation and the home that you live in. With it, you’ll have a custom blend of homeowners coverage and business insurance with additional options to best fit the specific needs of your farm or ranch.
What is farm insurance?

Farm or agricultural insurance is usually provided as an insurance package designed specifically for agricultural businesses, buildings, tools and output. It offers protection under a single policy for aspects including farm machinery and equipment, livestock, buildings, profits and produce.

Cover includes

  • Property cover, including farm buildings, produce, deadstock and machinery; home buildings and contents; and let properties
  • Employers, public and products liability
  • Diversification
  • Legal expenses, professional liability and directors’ and officers’ liability
  • Environmental pollution
  • Loss of revenue
  • Livestock and goods in transit
  • Income protection
  • Specialist all-risks cover, including electronic equipment, computers, farm animal milking and feeding systems, and farm animal semen
  • Uncollected milk due to adverse weather and contamination of milk through antibiotics

Click and learn about the risks​

What does farm insurance cover?

Working farms and smallholdings– cover designed and can be tailored for your farm machinery, produce or deadstock, or farm buildings. For livestock farmers, you can be insured for a wide range of risks including loss of stray animals, theft, transit, mysterious disappearance, electrocution and fire.

Diversification and personal insurance– With modern farms diversifying away from traditional activities, agricultural insurance can be tailored to different risks. Livery yards, farm shops, shooting, camping, agricultural contracting, renewable energy and wind turbines, B&B and holiday lets, commercial property and even drones can potentially be covered under farm insurance.

Accidental pollution– farm insurance policies can also include cover against any accidental pollution to the environment.

Your farm is more than a business, it’s also your home, your security and your way of life. No one else can truly understand what it means to you and how much you put into it. Which is why protecting it is a priority.

Connect with us for a check-up of your farm insurance.

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As an independent agency, Browne Insurance Services
Helps you find the right Farm Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

Dwelling Coverage

Risk Factors
Due to heavy rains you crop storage unit is damaged, you’ll need to repair to store your crops.
Solution
Your general liability policy would cover the cost of repairs for the damages done to your property.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Farm Liability Coverage

Risk Factors
If any of your worker is injured while working, you will be liable to pay for his medical expenses.
Solution
Your farm liability coverage would pay for his medical bills and a portion of lost income while he recovers and is unable to work.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Farm Equipment Breakdown Coverage

Risk Factors
If any of your farm equipment breaks down due to an accident, you will have to pay for the repairs and also might delay your work
Solution
Your Coverage will take care of the payment of the repairs and any loss incurred due to the delay.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Scheduled Farm Personal Property Coverage

Risk Factors
Your livestock are at risk. In case any unexpected event occur which may cause you a loss.
Solution
This part of your policy covers the animals on your farm. Because it is scheduled, you will need to list each animal. If you have an animal not listed above that you want to be covered, ask your insurance agent if you can include that animal on your policy.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Crop Coverage

Risk Factors
If a hailstorm or flood comes and destroys all your crop, you may miss out on the profits you were going to get after selling them.
Solution
Farm insurance can also include coverage for any crops that you grow for profit. Because it varies by the insurance company, you will need to ask your agent exactly what kinds of claims you can file under this coverage.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Pollution Coverage

Risk Factors
Anything you do for your farm which causes a damage to the environment can be penalized.
Solution
Most farm insurance policies will include some amount of pollution coverage. This extra coverage protects you if you spray your crops, dispose of animal waste, have an oil spill, or inadvertently pollute a water source.

Note:  Please talk to your financial consultant to check all the facts before proceeding

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