Farm Owners Insurance

Whether you operate a small hobby farm or a large ranch, farm owners insurance can help protect you from accidents at your premises, livestock and product-related injuries, and property damage from fire and other perils.

Specialists in Understanding Farm and Ranch Risks


Berkley understands the unique exposures facing farm and ranch owners, including commodity markets, crop yields, livestock accidents and the uncertainty that weather adds to your operation. Our team of specialists can help provide the right insurance products and services to help minimize your risks.

Check out our Berkley Locator to discover which Berkley insurance business may be right for your farm owner insurance needs.

Comprehensive Protection for Farm and Ranch Owners

Berkley can provide a comprehensive policy with a wide range of coverage options to meet your specific needs. Our claims and risk management services offer programs to help identify and mitigate potential problems that could result in expensive losses. Some of the services and resources to assist your operation with preventive safety measures are accident analysis/investigation, safety and health programs, OSHA publications, industrial hygiene, personal protective equipment, machine guarding and more.


Farm owner coverages typically available include:

  • Farm Liability – can help protect you and your farm or ranch against claims for bodily injury, property damage and personal injury resulting from your services, operations and products. 

  • Dwelling, Other Private Structures Appurtenant to Dwellings, Household Personal Property and Loss of Use – can help protect your dwellings, private structures and personal property from physical damage and loss of use from unexpected events caused by fires, vandalism and natural perils including wind, lightning and hail. 

  • Commercial Automobile Liability – can cover injuries, death or property damage if a driver causes an accident while working. 

  • Commercial Automobile Physical Coverage (Comprehensive, Specified Cause of Loss & Collison) – can provide coverage for vehicle damage from theft, vandalism, flood, fire and damage if a covered vehicle is hit by an object or another car. 

  • Excess Liability – can provide additional protection for your farm or ranch after the limits on your primary farm liability policies have been exhausted due to a large loss or damages awarded by judge or jury.

Coverage Extensions:

  • Trees, Shrubs, Plants and Lawns 

  • Household Personal Property Away from the Insured Location 

  • Refrigerated Products – Not Farm Personal Property 

  • Building Additions and Alterations


Find your Berkley solution

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What Our Customers Say

“I was very fortunate to have Preferred Employers Insurance take over my case. I was at a standstill until their team started handling my situation. The company is great at what they do and anyone else who has the pleasure of working with them will find out the same! Thanks again so very much!”

— Frank V.

Waste Water Operator, Planada Community Service District.

“Berkley One has been amazing!!! You have really gone above and beyond for us and made this very annoying accident as easy as possible.”

— Amy G.

Client in Illinois.

“I am incredibly pleased with the claim management, guidance, consult calls and quality of service we receive from Midwest Employers Casualty. The team is committed to prompt and efficient service - and is readily available for consult calls. The process is effortless, efficient, seamless and productive.”

— Tawanna B.

Senior Benefits Manager, Blue Cross Blue Shield of Michigan.

“Our Berkley Environmental Claims Adjustor has been incredibly responsive to us, and has clearly taken the time to research the particulars of this claim. She has contacted and spoken with our client, and has explained to him and to us what she has been able to determine from her thorough research of the information presented so far in this claim. I am thankful that we have a competent, professional, dedicated, and pleasant-to-work-with adjuster in our corner.”

— Mary F.

Business Manager, Tech Painting Co.