One of the most important things Farm Bureau agents do is provide support to and connect with the agricultural community. Farmers, ranchers and others who make their living from the land count on insurance coverage to protect their property, equipment and more.
Because of our focus on serving farmers and ranchers, professionals with a background in agriculture — like Beau Jackson — are a great fit as Farm Bureau agents.
If you have agriculture experience and are thinking about becoming a Farm Bureau agent, you can learn more about the farm and ranch policies we offer to protect farming communities.
Farm and Ranch Property Insurance Coverage
Property insurance may protect farmers and ranchers from losses due to:
- Damaged machinery, like combines, planters, tractors, sprayers, skid loaders, cotton pickers, backhoes and balers
- Equipment that breaks down because of mechanical or electrical problems
- Hay inventory damage
- Irrigation equipment issues
- Loss of earnings and extra expenses when covered losses interrupt the farm or ranch business operations
- Contents of freezers or refrigerators due to mechanical or electrical issues
- Livestock freezing or smothering protection for winter weather.
- Swine suffocation coverage.
Farm or Ranch Liability Coverage
Liability coverage protects a farm or ranch from losses that stem from a lawsuit. Farm Bureau clients may need options such as:
- Agritainment and agritourism coverage for activities like hayrides and pick-your-own events
- Pollution coverage in case a tank or containment area leaks
- Equine operations coverage if your client boards, breeds or trains horses or offers riding lessons
- Employer liability or workers compensation coverage for injuries to workers
- Umbrella coverage for additional protection above certain policy limits
Farm Vehicle Insurance
Farm vehicle insurance may provide liability and collision coverage and insurance for uninsured or underinsured vehicles. It can cover personal vehicles, trucks, ATVs, trailers and farm truck tractors.
Crop Insurance
Farm Bureau agents can’t control the weather for their clients, but they help them protect their crops from hail, droughts, floods, disease, sub-zero temperatures and natural disasters. Our agents work with their clients to find the combination of federal and private crop insurance coverage that best meets their needs.
Livestock Revenue Insurance
With livestock, there’s always a risk that changes in the market can lead to revenue losses. Livestock revenue insurance helps protect against losses in the markets for cattle, swine and dairy products.
Business Succession
Many Farm Bureau clients need to plan for how their farms or ranches will operate when they are no longer running them. Business succession planning can help, and their customers will feel more confident knowing that there’s a long-term plan in place.
Planning may include key person insurance, which covers lost income or profit if a farm or ranch loses a key employee. Clients may also need:
- Buy-sell agreements for family members or partners who will take over the business
- Bonus plans to help retain key employees
- A trust to help lower taxes, have more income in retirement and support charities
Loss Control Services
Keeping employees safe helps our clients keep their operations running smoothly, and it’s especially important for farmers and ranchers, since agriculture is one of the most dangerous industries in the U.S.
For clients who are interested, Farm Bureau offers a loss control review, where a professional evaluates their operations onsite and provides detailed recommendations to reduce or avoid losses within their operations and provide referrals to safety trainings and materials.
Equine Insurance
Our clients who own horses or run horse-related businesses likely need equine insurance. These types of policies can cover liability for injuries or property damage and issues that could come up if they’re caring for other people’s horses. They can also include coverage for saddles, tack and feed, so clients are protected against certain losses related to these expensive supplies.
Help Protect Farmers and Ranchers
Sorting through the types of agriculture insurance farmers and ranchers need may be complicated. They need a partner who can help them understand the nuances so they can focus on what they do best — operating their businesses. If that sounds like it might be a rewarding path for you, reach out to learn more about what Farm Bureau has to offer.