Small farm and ranch insurance
You chose farming for the love of it. With Nationwide, you can protect what you’re most passionate about with coverage for your small farm or ranch. But do you have enough?
Many small-farm owners believe a homeowners insurance policy provides adequate coverage, but they’re often underinsured. This puts their livestock, product and family legacy at risk.
Consider a CountryChoice® farm policy if you have a barn or outbuilding, farm equipment or livestock and receive revenue from farming or ranching. It’s coverage for both you and your farm.
Some additional small farm insights:
Learn about how small farms are being pushed out by larger operations and how tailored insurance can help.
Small farms face economic challenges, and the key to navigating the evolving risks includes tailored insurance.
Help boost efficiency, reduce risks and stay competitive with technology that revolutionizes your small farm.
Minimize damage to your farm and protect your property with a well-prepared emergency action plan.
Nationwide considers small farms to be farms with less than $50,000 in gross annual receipts where the primary income is not from the farm.
Standard homeowners insurance often excludes farming activities. Farm insurance combines elements of home, business and auto insurance tailored to agricultural risks.
Key types include general liability insurance, property insurance (for your home, buildings and equipment), product liability insurance (if you sell food or goods) and auto and equipment insurance (for tractors, trucks, etc.).
Farm property insurance covers physical physical assets such as barns, silos, fencing, machinery and sometimes livestock. Coverage can include fire, theft, vandalism and weather-related damage.
Yes, but you must list them specifically in your policy. Livestock may require additional coverage, especially for high-value animals or herds. Learn more about livestock insurance.
Farm liability insurance protects you if someone is injured on your property or if your operations cause damage to someone else’s property. It covers legal fees, medical costs and settlements. Even small farms face risks; for example, from visitors tripping over equipment or livestock escaping and causing accidents.
You could be held liable, even if the person was uninvited. Liability insurance helps cover medical costs and legal defense.
Yes. If someone gets sick from your food or injured by a product you sold, product liability insurance protects you from lawsuits and claims.