What does farm insurance cover?

Farm insurance covers farm dwellings, farm structures, farm equipment, livestock, crops, farm liability, and agribusiness operations.

Do you offer crop insurance in Georgia?

We offer farm property and agribusiness liability coverage for farms in Georgia and Alabama, and can connect you with federal crop insurance programs.

Can I get insurance for my farm equipment?

Yes, we offer farm equipment and machinery coverage as part of a comprehensive farm insurance package.

Agricultural Insurance

A farm is unlike any other business. It is a home, a workplace, a piece of equipment, a livestock operation, and a commodity producer all at once — and the risks that come with it span every one of those categories. A standard homeowners or commercial property policy was not built to handle that kind of complexity, and most farm operations quickly outgrow what a basic farm package can provide. Getting the right coverage requires working with someone who understands agriculture and has access to the carriers that specialize in it.

Etowah Insurance Group builds farm and agricultural insurance programs for operations of all types and sizes — from small family farms and hobby operations to large row crop producers, livestock operations, agribusiness facilities, and agricultural service providers. We work with specialty agricultural carriers to build programs that address every exposure your operation carries, on the land, in the barn, in the field, and on the road.

Farm Property and Structures

Farm Property Insurance

Farm property coverage protects the physical assets your operation depends on — dwellings and farm structures including barns, grain bins, silos, equipment sheds, processing facilities, and outbuildings. Each structure is insured for its replacement cost, and coverage is built to address the realities of agricultural use rather than standard commercial occupancy. Farm structures face unique exposures from weather, fire, and the operational demands of a working farm, and we make sure the policy reflects that.

Farm equipment and machinery represent one of the largest investments on any farm, and losing a piece of critical equipment at the wrong time can disrupt an entire growing season. We cover tractors, combines, planters, tillers, irrigation systems, and other scheduled equipment for physical damage including collision, upset, fire, and theft. We also address farm personal property including grain, feed, seed, fertilizer, and other supplies stored on the premises — coverages that standard commercial policies routinely exclude or severely limit.

Farm Liability

Farm Liability and Livestock Insurance

Farm liability coverage protects you against bodily injury and property damage claims arising from your farming operations — visitors injured on your property, livestock that escape and cause an accident, or damage caused by your equipment or employees. For operations that sell directly to the public, host agritourism activities, or operate farm stands and U-pick operations, we build in the additional liability coverage those activities require, since standard farm policies often exclude or restrict coverage for commercial farm activities.

Livestock coverage protects cattle, hogs, poultry, horses, and other animals against death from covered perils including fire, lightning, and other specified causes of loss. For larger livestock operations, we discuss broader coverage forms that address a wider range of mortality causes. For farms with supporting operations — including custom farming, crop spraying, trucking of agricultural commodities, farm labor contracting, agribusiness processing, or equipment dealerships — we build coverage around the full scope of what the operation does, not just the farming component, ensuring every revenue stream and exposure is addressed.

A Complete Farm & Agricultural Insurance Program Includes:

No two farm operations are the same. A row crop producer in the Midwest carries entirely different exposures than a poultry integrator in the Southeast, a horse farm in Kentucky, or a vegetable operation selling direct to consumers. We take the time to understand your operation — what you grow, what you raise, what equipment you run, and what supporting activities your farm engages in — before building a program around it.

We work with agricultural specialty carriers that understand farming risk and provide coverage forms designed specifically for farm and agribusiness operations. Whether you are insuring a small family farm or a large vertically integrated agricultural business, we have the market access and expertise to build a program that fits.

Farm Dwellings & Structures
Farm Equipment & Machinery
Livestock Coverage
Crops & Farm Personal Property
Farm Liability

Agritourism Liability
Custom Farming Operations
Agricultural Auto & Trucking
Agribusiness & Processing
Umbrella / Excess Liability

At the central core of your risk management

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Agricultural Insurance

Farm Property and Structures

Farm Liability

A Complete Farm & Agricultural Insurance Program Includes:

At the central core of your risk management

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