What Does Farmowners Insurance Cover?- Philadelphia Insurance Companies

What Does Farmowners Insurance Cover?

There are a number of natural and manmade risks inherent to farming and ranching. Extreme weather brings the potential to damage stored crops, livestock, dwellings, buildings and equipment. Large machinery and equipment, diverse auto fleets and other hazards normal to a farm leave ample opportunity for injury.

Farmowners insurance coverage is key to protecting family farms and ranches against unforeseen losses and liability exposures.

With more than 60 years of insurance underwriting experience, Philadelphia Insurance Companies (PHLY) is extending its A++ AM Best insurance offerings into agribusiness and farming. Our robust coverage options for family farms and ranches include:

  • Cash grain operations
  • Dairy farms
  • Cattle farms
  • Aquaculture operations
  • Fruit and vegetable farms
  • Vineyards
  • Hobby farms
  • And more

Why Do Farmowners Need Insurance?

Todays farmers and ranchers face exposure to various types of property and liability losses associated with their operations. It is important that they are properly protected against these exposures to help ensure their continued viability. PHLY is here to help protect what matters most to them.

What Does PHLY Farmowner Insurance Cover?

To protect family farmers and ranchers against potentially damaging claims and losses, PHLY offers robust insurance coverage solutions. PHLY's flexible policies include the following insurance coverage forms:

Farm Property

PHLY covers property that is relevant to farming and ranching operations. Farm property coverage can include protection for your dwelling, machinery and equipment, farm structures, livestock and more. PHLY can also protect personal property items such as computers, firearms and more.

Farm Liability

Farm liability protects farmers from third-party personal injury claims that can occur as a result of farming and ranching operations. Should a claim arise, the farmer will have the necessary loss support and financial backing to cover medical expenses and lawsuits.

Inland Marine

Inland Marine coverage can be written for a wide range of specialized equipment and moveable property. This can be an important coverage need for today's farmers and ranchers.


PHLY auto insurance provides coverage for vehicles used on farm and ranch operations. Available coverage includes comprehensive vehicle damage coverage, collision coverage, hired and non-owned auto coverage and more.

PHLY Umbrella Coverage

To ensure that farmers get the customized coverage they need, any relevant policies can be combined under PHLY's umbrella policy. This provides insureds with additional liability coverage when needed for their unique operation.


In addition to PHLY's robust and flexible farmowners coverage options, PHLY has recognized financial superiority and customer excellence. As a member of the Tokio Marine Group, PHLY has the financial backing of one of the largest insurance groups in the world.

We put customers first and ensure agents and their clients receive the support they need. This is reflected in our consistent 96 percent customer satisfaction rating.

Insurance agents already working with PHLY can expect the same expertise and attention to detail as they expand their books into the farming and agribusiness space with PHLY by their side.

To learn more about coverage options for farmowners visit our product page.

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