Skip to Main Content
ClaimsFind an AgentPay Your BillBecome an AgentContact Us
westfield logo
Search

Farm and Ranch Insurance 

We’re here to help you manage the inherent risks of your work by providing the farm insurance products you need to grow and to thrive.

Farmer overlooking his field during harvest.
Find Agent

Customized Insurance for Farmers 

Like many farm insurance carriers, Westfield’s standard policies typically include farm equipment, liability, home, and outbuilding insurance. But we know there is nothing standard about the way you run your farm, and we believe your coverage should absolutely reflect that. 

That’s why we provide a complete suite of farm-specific coverages to help you protect your harvested crops, dairy, confinement, and agri-tainment operations. Plus, we also offer customizable insurance for farm animals and livestock, as well as commercial agribusiness coverages for manufacturers, processors, wholesalers, and more. 

Orange tree plantation at sunset.

Harvested Crop Insurance 

From fruits and nuts to vegetables and mushrooms to cotton and grains, we understand the need for both basic and unique coverage options. Depending on your operations, our harvested crop insurance policies can be written to include: 

  • Replacement cost coverage for machinery and grain storage facilities
  • Cab glass breakage
  • Irrigation equipment on a scheduled basis
  • Broadened coverage for silo unloaders
  • Farm earnings and extra expense
  • Farm equipment on a scheduled or blanket basis
  • Foreign object ingestion without a sublimit (as long as the special form cause of loss is in use)
  • Limited pollution liability coverage up to $500k
  • On and off-premises ATV liability coverage
  • Peak season coverage for increased seed storage before planting and grain storage after harvest
  • Rented or borrowed farm equipment
  • Various auto, inland marine, and property coverages
Dairy cows eating fresh hay.

Dairy Insurance

Your dairy operation requires thoughtful coverages that address the risks associated with your herd, property, and equipment. You can typically customize your policy with specific coverages for your dairy operation, including: 

  • Milk contamination and/or spoilage coverage options
  • Attacks by dogs or wild animals
  • Electrocution
  • Farm earnings and extra expense
  • Foreign object ingestion without a sublimit (when the special form cause of loss is in use)
  • Limited pollution liability coverage of $500,000Loading and unloading accidents
  • On and off-premises ATV liability coverage
  • Peak season coverage for items that fluctuate in values throughout the year, such as seed you’re waiting to plant or increased grain storage after harvest
  • Rented or borrowed farm equipment
  • Silo unloader – broadened coverage
  • Sudden and accidental collision damage causing death
  • Suffocation
  • Various auto, inland marine, and property coverages
Man checking on pigs in a confinement facility.

Livestock Confinement Insurance  

The livestock you raise is critical to your success, but so are the barns and confinements that keep your operations running smoothly. Our poultry and hog confinement insurance policies can be written to include:

  • Equipment used in the service of the building (such as water pumps, motors, and outdoor equipment)
  • Furniture, fixtures, machinery, and equipment used for the operation of the building (located in, on, or within 100 feet of the building)
  • Foreign object ingestion without a sublimit (when the special form cause of loss is in use)
  • Care, custody, and control for poultry, swine, and other livestock
  • Limited pollution liability coverage up to $500k
  • Farm earnings and extra expense
  • On and off-premises ATV liability coverage
  • Loading and unloading accidents
  • Suffocation
  • Various auto, inland marine, and property coverages
Children feeding and petting sheep at a farm.

Agri-tainment Insurance

Whether you offer a petting zoo at your apple orchard or hayrides at your pumpkin patch, a Westfield agent can help determine the types of insurance coverage that your agri-tainment business needs. We can help ensure that you have coverage for customer slips and falls, theft, and more. 

Customize Your Policy

Agribusiness Insurance Coverages and Endorsements

Find an Agent

Get a Farm Insurance Quote 

From fruits to dairy to grains, we offer farm insurance policies tailored to your specific operations. Connect with a local agent to see if Westfield is the right farm insurance carrier for you. 
FIND AN AGENT
Farm and Ranch Insurance

Frequently Asked Questions

Our standard policies typically include the following coverages: 

  • Farm equipment insurance
  • Farm liability insurance
  • Farm home insurance
  • Outbuilding insurance

Additionally, you can customize your policy with optional endorsements, including protection for your vehicles, equipment, workers, and more.

Just as all farms are unique, so are the insurance policies that help protect them. Your premium is based on many factors, but here are some of the most common ones: 

  • Operations of the farm
  • Location of the farm
  • Weather in the area
  • Age of the home, outbuildings, equipment, etc. 
  • Materials used to build the home and outbuildings
  • Your credit score and other financial factors

Connect with an insurance agent for a quote.

It’s almost always a good idea to add vehicle protection to your farm insurance policy. This coverage can help safeguard against accidents and unexpected events like a hailstorm or theft. 

Typically, farm equipment is covered in a standard farm insurance policy. Plus, you can add on equipment breakdown coverage for protection against mechanical and electrical breakdowns or utility service interruptions.

Depending on your operations, your farm insurance policy can typically help cover your livestock and other farm animals. 

Yes, farm outbuildings are commonly covered in standard farm insurance policies. 

Farming can be unpredictable, so adding peace of mind and protection through an insurance policy is usually a smart choice. Farm insurance can help protect your crops, livestock, property, and livelihood. Contact a Westfield agent to get a farm insurance quote.