Business Insurance › Farm & Ranch

Farm & Ranch Insurance

Insurance for Working Farms, Ranches, and Agricultural Operations

We insure farms and ranches that produce - not hobby operations. Whether you are running cattle, harvesting grain, cutting hay, boarding horses, or leasing agricultural land, your operation carries risks that standard commercial policies do not cover. Grit Insurance Group places farm and ranch coverage with carriers who understand agricultural operations from the ground up.

Our team grew up around agriculture. We understand the seasonal cycles, the equipment values, the livestock exposures, and the liability that comes with operating on open land. That is why farmers and ranchers across the country trust us with their coverage.

Agricultural Operations We Insure

• Cattle Operations
  Beef ranches, dairy farms, feedlots, and breeding operations. Coverage for livestock mortality, disease, theft, equipment, property, and liability - including escaped cattle and environmental exposure from waste management.

• Hay & Crop Growers
  Hay production, alfalfa, and crop operations. Protection for your harvest from planting through storage - covering weather loss, fire, equipment breakdown, and transportation. Spontaneous combustion in stored hay is a real risk we plan for.

• Land Leasing
  Coverage for landowners leasing agricultural ground and tenants operating on leased land. Liability, property damage, environmental exposure, and income loss are all addressed for both parties.

• Custom Harvest Operations
  Custom harvesters and contract cutting crews working across multiple states carry unique equipment, auto, and liability exposures. Your rigs, your crew, and your liability on someone else's land all need to be covered under a program built for mobile agricultural operations.

• Equine Operations
  Horse boarding, breeding facilities, training operations, riding schools, and equestrian centers. Equine operations carry animal mortality risk, care and custody liability, rider injury exposure, and property coverage for barns, arenas, and fencing. This is a specialty niche that requires carriers with equine experience.

• Grain & Row Crop Operations
  Large-scale grain farming, corn, wheat, soybeans, and row crop production. Coverage for equipment fleets, grain storage facilities, crop inputs, commercial property, and the liability exposure that comes with operating heavy machinery across thousands of acres.

Core Coverage for Farm & Ranch Operations

• Farm Property - barns, outbuildings, fencing, irrigation systems, and grain storage
• Livestock Coverage - mortality, disease, theft, and transit for cattle, horses, and other animals
• Farm Equipment & Machinery - tractors, combines, balers, trailers, and specialized implements
• General Liability - bodily injury and property damage from your operations
• Workers Compensation - employee injuries in agricultural environments
• Commercial Auto & Fleet - farm trucks, grain haulers, and equipment transport
• Crop Insurance - weather loss, hail, drought, and multi-peril crop protection
• Business Interruption - income replacement when a covered event disrupts your operation
• Pollution Liability - environmental exposure from fertilizer, pesticide, and waste management
• Umbrella Liability - excess limits for large operations with significant exposure

Why Farmers and Ranchers Work With Grit

• Independent brokerage - we shop your coverage across multiple farm-market carriers
• We grew up around agriculture - we understand the business before you explain it
• Coverage placed with top farm-market carriers across the country
• Experience with large operations, not just small acreage policies
• Fast certificates and lender requirements handled without the runaround

Your operation does not wait for good weather, and it should not wait for good insurance. Call us at (801) 505-5500 or get a quote to start the conversation.