Grain / Cash Crop Insurance

You’ve dedicated hours to growing your operation to the current level, and your insurance should feel the same. Your advisor should be an expert at protecting what matters most to you – your operations, crops, and people. Want an insurance quote and to learn more about your industry’s exposures?

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HWI / Farm Insurance / Grain / Cash Crop Insurance

Find what you need

Want to learn about insurance for grain/cash crop farming? Connect with one of our experts today to start a quote or ask questions.

Looking for some quick info? Click on one of the below topics to unpack your farm insurance!

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Farmer's Liability

The comprehensive farmer’s liability covers owned, rented, or leased land and property for personal and farming activities. It provides coverage for bodily injury and property damage from individual actions, farming operations, and volunteer liability.

Basic liability starts at $1 million and can go as high as $10 million. It is also the cheapest and most worthwhile coverage on your policy to purchase. Taking that combine out on a public road to get to the field? If it hits the power line, your liability coverage will shield you from the brunt of expenses.

Buildings & Contents

Fire, lightning, windstorm, and hail can be unexpected and uncontrollable. While we can’t predict the weather, we can ensure that you have protection for your barns, shops, sheds, bins, tools and other miscellaneous farm property and equipment by a policy unique to your farm and operations.

Machinery Coverage

You invest a lot in the machinery and equipment you use to operate your farm. If a fire, a collision, or ingestion, damages your machinery, repairing or replacing it could be substantial.

Loss of Use Coverage

We know your equipment isn’t cheap, and we also know how important it is to the success of your operations. Having a successful farm operation means having equipment available in proper working conditions. Loss of Use coverage will reimburse the costs to rent a replacement if you cannot use your equipment due to an insured peril/incident.

Commodity/ Input Coverage

Whether it’s your grains, oil seeds, pulse crops or feed and fodder, these commodities are essential to your farm’s income. Insuring them can save you from experiencing a significant financial setback in a claim. Commodity coverage can help protect you from an unexpected financial loss due to an insured peril.

Input coverage is for assets such as fertilizer, chemicals, and seeds that are essential to the success of your crops and your entire operation. In a claim like a fire, replacing these inputs could be pricey. With Input Coverage in place, your policy would respond so you won’t have to pay out of pocket.

Succession Planning

Farming is hard work, but covering your operation shouldn’t be. Let our experienced advisors help you navigate the tough decisions of the family business down to the next generation. Let’s work together to protect what matters most to you and your farm.

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Additional Coverages Available:

See below for a short list of additional coverages we recommend including for your farm insurance.

Hail Insurance

When hailstorms happen, your assets need to be properly covered. Harvard Western Insurance has worked closely with the farming community for over 100 years and understands what it’s like to be through hail and back.

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Volunteer Fire Fighting Coverage (VFF)

Depending on your location, multiple voluntary firefighting departments may respond if a fire occurs on your land. Every voluntary fire department will send an invoice if they are called to help put out the fire on your land. Each department’s rates may differ, and you could see anywhere from $900 to $1200 charged as an hourly fee. It’s always important to contact your local RM or Municipal Office to find out if your taxes cover these charges or add some additional coverage to your policy.

Adding Voluntary Firefighting to your policy will ensure you are financially supported if you receive a hefty bill after the fire’s put out.

Loss of Use Coverage

We know your equipment isn’t cheap, and we also know how important it is to the success of your operations. Having a successful farm operation means having equipment available in proper working conditions. Loss of Use coverage will reimburse the costs of renting a replacement if you cannot use your equipment due to an insured peril/incident.

Don’t see what you’re looking for? CONNECT with our expert team, and let us find the right coverage for you!

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