Farm & Ranch

Farm Equipment Harvesting Sugar BeetsWe understand the unique challenges that set this industry apart:

  • Protecting your financial investment in your farm home and property
  • Managing human resources such as hired hands and other employees
  • Preparing for the next generation of farmers & ranchers
  • Staying ahead of governmental regulations and contractual obligations
  • Identifying and predicting accidents and high risk profiles
  • Navigating Healthcare Reform and the rising cost of benefits

These are the issues keeping Farm & Ranch owners up at night – not shopping for insurance.

Seem like we are talking about you?

All insurance agencies are happy to take your money to sell you an insurance policy. Many of them will even help tackle the small problems, while ignoring the hard to find issues that are behind the increasing costs of doing business in the Farm & Ranch industry.

Specialty Risk is different. We don’t play that game. Farms & Ranches are an integral part of our specialization in Agribusiness and Construction and we are prepared to be leaders in a smarter conversation about the risks that cost your Farm & Ranch money you don’t want to spend.


Speciality Risk Insurance delivers top-tier insurance products including:

  • Property
  • Farm & Commercial Liability
  • Auto Liability
  • Umbrella

Speciality Risk Insurance also offers specialized insurance products for the following:

  • Loss to your harvested farm products
  • Farm machinery and equipment, like tractors, garden tractors, and power lawn mowers
  • Farm interruption, including loss of income
  • Products damaged while in transit
  • Agricultural and food products you may process for or sell to others
  • Agricultural services you perform for others
  • Agritourism
  • Additional residences rented to others
  • Off-property recreational vehicle operation
  • Office, professional, private school or studio use
  • Neighborly exchange of labor