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Farm Insurance

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Farm Insurance 

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.

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Farm Liability
Farm Equipment Breakdown

Dwelling coverage

Risk Factors

Due to heavy rains, your crop storage unit is damaged. You’ll need it to be repaired to store your crops.


Your general liability policy would cover the cost of repairs for the damages sustained by your property.

Farm liability coverage

Risk Factors

If one of your workers gets injured while working, you will be liable to pay for their medical expenses.


Your farm liability coverage would pay for their medical bills and a portion of lost income while they recover and are unable to work.

Equipment breakdown coverage

Risk Factors

If any farm equipment breaks down due to an accident, you will have to pay for the repairs, which might delay your work.


Your coverage will cover the repair cost and any loss incurred due to the delay.

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

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. You can be insured for a wide range of risks for livestock farmers, 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. Farm insurance can cover delivery yards, farm shops, shooting, camping, agricultural contracting, renewable energy and wind turbines, B&B and holiday lets, commercial property, and even drones.

Accidental pollution– farm insurance policies can also include cover against any accidental environmental pollution.

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

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

Already have Farm Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Wittmann Insurance

We extend coverage to individuals and businesses in Wisconsin and surrounding areas.

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