Large Farm
Insurance

Large farm operations carry risks that smaller farms simply don’t face. From property to payroll, your exposure is multiplied, and that calls for a more layered and strategic approach to insurance. Here’s what that looks like:

• Widespread Property Exposure: When you manage thousands of acres and dozens of structures, one bad storm can cause significant losses. Tornadoes, hail, and floods do not care how much you have built, but a solid policy can help you bounce back quickly.
• High-Value Equipment: Tractors, planters, precision ag tech, and more. A breakdown or theft does more than cost money. It halts your operation. Protection for your machinery helps keep everything moving forward.
• Extensive Livestock Management: Larger herds mean greater exposure to disease, severe weather losses, and accidents. You’ve invested heavily in your animals, and your policy should reflect that.
• Workforce Risk: With more employees comes a higher risk of injury and legal exposure. A good insurance plan supports your workers and helps you avoid expensive employment claims.
• Environmental and Regulatory Liability: Spills, runoff, or chemical use can trigger large cleanup costs or fines. Coverage in this area helps shield your business from unexpected financial hits tied to environmental events.
• Product and Cargo Risks: If you’re shipping out goods or managing a fleet of vehicles, you know how fast an accident or cargo loss can snowball into legal or financial trouble. That risk grows with scale.
• Tech and Cyber Exposure: With so many farms turning to digital management systems, cyber threats are very real. From stolen data to ransomware, cyber liability is fast becoming a must-have.