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Farm insurance
Dairy farm insurance
Nationwide dairy farm insurance provides comprehensive protection for your dairy operation, covering everything from your herd to your facilities and equipment. With an AgriChoice® policy, you can safeguard your farm against unexpected risks and losses, ensuring your livelihood is protected.
What an AgriChoice package covers
We listen to our farm and ranch customers, which has helped us develop innovative coverage protection for dairy farmers. We start with a base policy to protect what most dairy operations require, including:
- Farm home and contents
- Detached garages and other buildings
- Farm and ranch structures
- Personal property
- Farm machinery and milking equipment breakdown
- General liability protection
Dairy farm insurance by Nationwide offers broad protection for your farm, livestock and equipment. Covered causes of loss include:
- Electrocutions
- Flood losses
- Loading and unloading accidents
- Accidental shootings
You can enhance your dairy coverage by adding additional policies like business auto, umbrella and workers’ compensation as well as the Dairy Elite endorsement which includes these additional coverages:
- Spoilage of milk, milk derived products and animal health products
- Milk contamination and leakage
- Property damage liability if your product has been commingled with the dairy products of others
Types of dairy farm insurance coverage
AgriChoice policies are designed to meet the unique needs of dairy farmers. Coverages include:
Farm property and equipment
Protects your farm home, detached garages, other buildings and essential equipment like milking and pasteurization systems, refrigeration units and farm machinery.
Herd coverage
Insures your dairy cows against specific risks, such as being struck by a motor vehicle, train or accidental shooting. Coverage is provided up to $500 per head at no additional cost, with higher limits available.
Hay coverage
Offers protection for haystacks, with coverage up to $100,000 per stack, with higher limits available.
Liability protection for unwarranted animal cruelty allegations
Provides reimbursement for attorney fees if you’re found not guilty in lawsuits related to animal cruelty allegations (not available in all states).
Disruption of farming operations
Covers loss of earnings and extra expenses caused by interruptions to your farming operations due to a covered cause of loss.
Temperature-sensitive property
Protects against spoilage caused by electrical interruptions or refrigeration system breakdowns.
Newly acquired livestock
Most farm insurance policies, including AgriChoice, provide an automatic extension of coverage for newly acquired livestock.
What dairy farm insurance doesn’t cover
While an AgriChoice policy provides extensive coverage, it doesn’t include losses caused by:
- Disease
- Old age
- Natural causes
For these types of risks, you may need additional policies, such as livestock mortality insurance. Speak with a Nationwide farm agent to explore your options.
Dedicated dairy farm experts
Nationwide understands dairy farming is complex, requiring specialized knowledge and support. From herd management to milking systems, dairy farmers face unique challenges that need tailored solutions. That’s why our dairy farm experts bring industry-specific expertise and insights to help farmers identify risks, protect their livelihood and achieve long-term success.
Dairy farm insights
Discover symptoms, economic impacts and prevention strategies for ranchers and dairy farmers.
Learn how the U.S. dairy is changing with farmers moving, new processing hubs and innovations.
Learn how dairy farms can improve insurability by addressing fires, severe weather, livestock losses and more.
Avoid contamination of milk and milk products with these tips.
Dairy Farm insurance Frequently Asked Questions (FAQ)
The cost of dairy farm insurance depends on several factors, including the size of your operation, the value of your livestock and equipment, and the specific coverages you choose. To get an accurate quote, contact a Nationwide farm agent who can tailor a policy to your needs.
Milk contamination is an optional coverage that can be added with our Dairy Elite endorsement. It covers damage to your milk, including milk debris removal expense caused by contamination or leakage. Speak with a Nationwide farm agent to learn more about protecting your operation against this risk.
Dairy farm auto insurance is not included in traditional dairy farm insurance policies. You’ll need to purchase a separate policy to cover vehicles used in your farming operations.
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