Farm Insurance

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

Whether you’re a local grower or a large cultivator, we understand the value of insuring your greatest asset. At Mitchell Insurance Services, 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 Mitchell Insurance Services 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.

Farms play an essential role in the global food supply chain and often serve as both residences and businesses. Yet, this multifaceted significance includes substantial risks and exposures that may require you to implement and maintain various loss mitigation measures. With this in mind, farm insurance should be a highly prioritized investment.  
 

What Is Farm Insurance? 
Farm insurance serves as a financial safety net for policyholders. Similar to other insurance categories, safeguarding your farm involves paying regular (e.g., monthly) premiums. In return for these payments, your insurance provider commits to extending financial aid for covered incidents up to your policy’s limits and minus any deductibles. 

What Does Farm Insurance Cover? 
The daily operations of a farm include an abundance of risks and exposures. Potential setbacks can stem from many sources, potentially jeopardizing various facets of your business functions. To ensure the protection of your financial interests, farm insurance typically includes coverage options for the following: 

• Fire
• Lightning
• Hail
• Windstorm
• Theft
• Vandalism
• Liability
• Lost income 

Different Types of Farm Insurance 
Comprehensive coverage for your farm typically requires a combination of several types of insurance. While the exact coverage needs of your farm may vary, the following components are frequently recommended: 

• General liability insurance—This coverage may provide financial security against incidents impacting third parties, including bodily injuries and property damage.
• Commercial property insurance—This coverage may extend financial relief following occurrences that damage physical assets like structures, equipment, tools and inventory.
• Crop insurance—This coverage may provide compensation for losses involving crops, including below-average yields and market price fluctuations.
• Livestock insurance—This coverage may assist in covering the financial ramifications of events affecting your farm’s animals.
• Workers’ compensation insurance—This coverage may provide financial aid if your farm’s employees sustain job-related injuries or illnesses.
• Business interruption insurance—This coverage may compensate you for financial losses and ongoing expenses in the aftermath of operational disruptions.
• Product liability insurance—This coverage may offer financial support if customers or other third parties sue your farm for providing spoiled, contaminated or otherwise inadequate goods.

Get the Right Coverage 
Specific operational nuances might warrant additional insurance considerations for your farm. For instance, securing commercial auto insurance becomes imperative if your business uses motor vehicles for its operations. 

At Mitchell Insurance Services, we have nearly 20 years of experience helping farmers, businesses and families in the Central Valley and Central Coast areas acquire optimal coverage. Our agents will work with you to identify your needs and secure policies capable of protecting your finances and future. Contact us today to get started.