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Farm Insurance

Farm Insurance

Farm Insurance Quote Forms

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It’s Your Livelihood. Make Sure It’s Protected.

Farm InsuranceWhether you’re a local grower or a large cultivator, we understand the value of insuring your greatest asset. At Zachman Insurance Agency, we’re dedicated to providing the agricultural coverage and services you need to keep your farm or ranch protected – so you can focus on maintaining a smooth operation.

We know that you work hard as a farmer, and at Zachman Insurance Agency we want to extend that same courtesy to you by keeping your farm and everything on it insured. Our insurance specialists are sensitive to your individual needs and will work with you to find a policy that best suits your farm or ranch.

Designing a specific policy with us gives you the options of coverage in the following areas:

  • Crop Insurance
  • Farm Owners Insurance
  • Farm Livestock Insurance
  • Farm Equipment Insurance
  • Farm Dwelling Insurance
  • Farm Structures Insurance
  • Farm Auto Insurance
  • Farm Umbrella Insurance
  • Farm Liability Insurance

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Common Farm Insurance Questions:


Why Farm Insurance?

Your farm is your livelihood, and you can never be too cautious. Since an accident can happen when you least expect it, it’s important to be prepared when potential problems arise. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an unforeseen circumstance disrupts your operations.

What Is Farm Insurance?  
A farm insurance policy can provide a level of protection for your equipment, buildings, and even lost income if an unforeseen circumstance disrupts your operations. Zachman Insurance Agency is a locally owned and operated St. Michael, Minnesota, insurance company that works with clients across the state to protect their farms and ranches. 

What’s Covered Under Farm Insurance? 
Every farm’s insurance needs are different, and every farm insurance policy may vary. You can work with a Zachman Insurance Agency agent to determine what types of coverage you may need to ensure adequate protection.  

The following coverages may be available to you:  

  • Crop insurance: Weather, fires and other hazards can damage crops. This coverage may pay a settlement to help you replace damaged items and lost income.

  • Equine insurance: Horses are often valuable for farm operations, and their market value and a single loss might be expensive. This coverage may insure your horses against death, injuries and other hazards.

  • Farm auto insurance: If you use or own vehicles or tractors for your farm’s operations, you may need coverage to protect these items against damage or other losses.

  • Farm dwelling insurance: If you live on your farm, this policy can cover your home.

  • Farm equipment insurance: Assets such as pumps, rakes, sprayers and other tools may get damaged, and this coverage can help pay for those items.

  • Farm liability insurance: Your operations might cause bodily injuries or property damage to various people, including your clients. This coverage may help you repay them for their losses.

  • Farm livestock insurance: A loss to your animals could mean a loss of profit. This coverage may help you recover the results.

  • Farm structures insurance: This coverage insures barns, grain silos and other property.

  • Umbrella insurance: Standard liability insurance has limits. If you have a claim exceeding these limits, umbrella liability coverage may help cover the remaining costs.

  • Workers compensation insurance: If you hire full- or part-time employees for your farm’s operations, you may need workers’ compensation. It can pay employees supplementary income if work-related injuries or illnesses force them from their jobs.

What Are the Benefits of Farm Insurance?  
Farm insurance provides protection for bodily injury, property damage and medical expenses. Your policy can cover your property and third parties, and it can also protect you from legal fees if you’re sued for farm-related claims. If you’re curious about how farm insurance could personally benefit your farm, reach out to an agent to learn more.  

When Do I Need Farm Insurance?  
If you’re thinking about coverage, consider these three factors that can impact whether or not to get started:  

  • If you have additional structures on your property, such as a barn, then you should consider a farm insurance policy. If something happens to these structures, insurance will help cover the financial loss. This can be especially beneficial if you heavily depend on the building for a specific function. 

  • If you have livestock, coverage can help protect your livestock. This can be crucial if you depend on livestock for your income. 

  • If you have more than two employees, in most states, you will be required to have coverage. This type of coverage protects both you and your employees.

Is Farm Insurance Expensive?  
The cost of your farm insurance policy will vary based on the size of your operations, your location, claims history and the types of coverage needed. Work with a Zachman Insurance Agency agent to discuss your budget and insurance needs.  

Get Started Today 
Zachman Insurance Agency can help you choose the right insurance policy to help protect your operations and unique farming needs. Call us today to get started on your farm insurance needs. 

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