Farm, Ranch, and Livestock Insurance

Protecting Your Agricultural Operation from Field to Market

From crop loss and equipment breakdowns to livestock disease and natural disasters, running a farm or ranch comes with high-stakes risks. Heffernan Insurance Brokers helps protect your land, your herd, and your livelihood with customized farm insurance, ranch insurance, and livestock insurance programs.

Whether you run a family farm, a multi-state agribusiness, or a diversified livestock operation, we’ll help you build a resilient insurance strategy from soil to sale.

What Is Farm, Ranch, and Livestock Insurance?

Farm and ranch insurance combines property, liability, and operational coverage designed specifically for agriculture. Livestock insurance adds targeted protection for animals in your care, including death, disease, theft, and transit risk.

Unlike standard commercial policies, these programs are built for agricultural exposures—from crops and barns to tractors and breeding stock.

A well-rounded program can cover:

• Land and outbuildings
• Farm equipment and vehicles
• Crops and harvested inventory
• Livestock and herd management
• Employee injuries and seasonal labor
• Business income interruptions
• Agritourism and public liability

We work with national and regional carriers that specialize in agricultural risks, so your coverage works when you need it most.

Why Farms, Ranches, and Livestock Operations Need Specialized Coverage

Agriculture isn’t just another business—it’s an industry defined by volatility. Standard property or liability policies often leave gaps when applied to farming or ranching.

Top risks include:

• Severe weather (hail, drought, wildfire, flood)
• Equipment failure or breakdown
• Livestock mortality or disease outbreaks
• Crop loss due to pests or natural disasters
• Transportation losses during livestock or product transit
• Agri-tourism liability or visitor injuries
• Income loss from operational shutdowns

Farm insurance helps reduce financial uncertainty and supports business continuity through unpredictable seasons.

What Does Farm, Ranch, and Livestock Insurance Cover?

Every agricultural operation is different. We customize policies based on your operation type, location, and risk exposure.

Farm Property Insurance

Covers dwellings, barns, silos, fencing, irrigation systems, storage facilities, and other physical assets on your land.

Farm Equipment Insurance

Protects tractors, combines, sprayers, harvesters, irrigation pivots, trailers, and precision ag systems.

Crop Insurance

Covers yield loss and revenue shortfalls. Includes MPCI, revenue protection, and specialty crop programs.

Livestock Insurance

Protects cattle, dairy cows, poultry, pigs, sheep, goats, horses, and more. Covers accidental death, disease, theft, and transit losses.

Ranch Insurance

Tailored coverage for working ranches, grazing operations, breeding programs, and range-based livestock.

Farm Liability Insurance

Covers general liability, product liability, and environmental exposures, including agri-tourism operations.

Farm Auto Insurance

Covers trucks, trailers, and other vehicles used in farm or ranch operations.

Workers’ Compensation

Covers full-time, part-time, and seasonal farm laborers in compliance with state laws.

Business Interruption Insurance

Replaces lost income and ongoing expenses if your operation is temporarily shut down.

Livestock Transit Insurance

Protects animals during transport to markets, shows, or processing facilities.

Agri-Tourism Insurance

Covers liability for pick-your-own farms, farm stays, hayrides, school tours, and other visitor-based activities.

Who Needs Farm, Ranch, and Livestock Insurance?

Heffernan serves a wide range of agricultural clients, including:

• Family-owned farms and ranches
• Corporate farming operations and agribusinesses
• Row crop growers (corn, soybeans, wheat, cotton, etc.)
• Specialty crop producers (fruits, vegetables, vineyards, nuts)
• Dairy farms and cattle ranches
• Swine and poultry operations
• Sheep and goat ranchers
• Horse breeders and equestrian centers
• Greenhouses and indoor ag operations
• Hemp and industrial crop farms
• Farm co-ops, collectives, and agri-tourism destinations

Whether you’re growing for local markets or global supply chains, we’ll tailor protection to your structure and scale.

How Much Does Farm, Ranch, and Livestock Insurance Cost?

Farm insurance premiums vary based on a variety of factors:

• Size and type of your operation
• Value of land, buildings, equipment, and livestock
• Coverage limits and policy options selected
• Geographic location and climate risks
• Claims history and loss experience
• Inclusion of agritourism or direct-to-consumer activities

Heffernan advisors will work with you to build a customized insurance plan that balances protection with affordability.