Farm & Ranch Insurance
Protecting your farm, ranch, financial security and lifestyle.
Protecting your farm, ranch, financial security and lifestyle.
Your farm and ranch is more than a business, it’s where you connect with land and gather with family.
At Higginbotham, we protect what matters most to you. Our farm and ranch insurance specialists know the risks you face and deliver solutions that help secure your financial future. For over 70 years, our customers have inspired us to build one of the leading independent insurance firms in the nation.
Whether you operate a hobby farm, hunting lease, dairy farm, cattle ranch, are a commercial grower or need equine coverage, Higginbotham has the experience you need.
We understand your business and livelihood, and we offer insurance to cover your dwelling, equipment, stock, barns, shops, fencing, tools, saddles/tack and more.
You need coverage built around your operation.
As a farmer or rancher, standard insurance policies may only cover some of your property and liability. Our farm and ranch insurance solutions are designed to protect your whole operation.
At Higginbotham, we start with listening and end with custom solutions designed for you.
From hobby farms to the largest farms and ranches in the U.S., we can secure the coverage you need.
Hear from practice leaders Mary and Trevor Russell and discover how Higginbotham can help your farm or ranch succeed through meticulously crafted and industry specific insurance and risk management solutions.
While both involve agricultural activities, ranches primarily focus on raising and grazing livestock, whereas farms are dedicated to producing crops.
These distinctions result in unique risks and insurance requirements. Farms may need coverage for crop loss, equipment damage and liability related to farming activities, while ranches may need insurance to protect their livestock and any damage their animals might cause or liability they might incur.
At Higginbotham, we understand the significant differences between ranches and farms, both in terms of operations and insurance needs, and we offer tailored coverage options to address the unique requirements of your farm or ranch.
We represent insurance leaders specializing in agricultural insurance so you have access to unique coverage forms. Our ranch and farm insurance carriers include:
Planning coverage around the many risks faced by a farm or ranch owner can be overwhelming.
Not with Higginbotham as your partner.
We start with listening and end with custom insurance solutions. By making policies personal, we help you accomplish more. Our deep industry experience and strong insurance carrier relationships help us get things done that others can’t.
Because while insurance is our something, our customers are our everything.
Talk to a seasoned farm and ranch insurance professional.
While your insurance needs will vary based on your operation, certain coverages make sense for most farmers and ranchers.
Here are some of our most popular farm and ranch insurance options.
Assuming hunting activities represent a small part of your overall agribusiness operation, there is a possibility that they can be covered under a ranch or farm insurance policy. However, if hunting is your primary source of income, you operate a game ranch or another commercial hunting operation, you may need specialty coverage.
Rather than carry a separate homeowners’ insurance policy for your house, we can often add a primary home to a farm and ranch package policy. This coverage can even be extended to homes located in the city or other locations far-removed from your physical farm or ranch land. For farmers and ranchers with multiple dwellings, we offer tailored coverage solutions to fit any situation or need.
Farmowners’ insurance is a package designed specifically for the risks faced by farmers, ranchers or stable owners. These insurance bundles combine homeowners’, commercial property and commercial liability coverage into a single policy. Commonly held by family and individually owned farms and ranches, farmowners’ insurance can save you money on premiums and help simplify your servicing process.
Excess liability coverage is similar to umbrella insurance in that it increases the payout limits of an underlying liability policy. This coverage can reduce the possibility of you getting saddled with substantial out-of-pocket expenses in the aftermath of an incident, helping to better protect farmers and ranchers who engage in business activities with above-average financial risk.
Regardless of the crops you grow or livestock you raise, you need equipment to run your farm or ranch. If you’re like most farmers and ranchers, you lease or own expensive farm equipment crucial to your daily work.
Your equipment breakdown coverage can help with the costs of repairing or replacing:
When this equipment breaks down, it can be costly, especially during harvest or other crucial times. With that considered, farm equipment breakdown insurance is a critical coverage to consider.
Floater insurance is an add-on that works in tandem with a standard farm or ranch policy to increase coverage on high-value property. Typically written to cover one specific item, floaters are often associated with jewelry, fine art and other rare or expensive items. If your farm or ranch owns irreplaceable or big-ticket property that you can’t afford to lose, you should consider adding a floater to your policy.
The buildings and structures on a farm or ranch are a critical part of most agribusiness operations. That’s why we offer specialized coverage to protect your barns, stables, pens, nut hullers, packing houses, storage sheds and other outbuildings. In most cases, outbuilding insurance also extends protection to the equipment used to operate a building, along with the furniture, fixtures, machinery and equipment it stores.
Care, custody and control coverage is an exclusion found in most liability insurance policies. This exclusion can leave you on the hook financially if you damage rental property in your possession. For farmers and ranchers who want coverage for third-party property in their possession, we can often add supplemental coverage to your policies to close this gap.
From your farm truck to semis and other vehicles you use for business, there is substantial risk involved in operating vehicles for business use. Because standard auto policies typically have exclusions for commercial use, it’s wise to carry a commercial policy to limit your liability. If you or one of your employees experiences an at-fault accident on the job, your commercial auto insurance can help pay for property damage, injuries and fatalities.
Umbrella coverage is a smart investment for farmers and ranchers considering that the average liability limit of a standard farm insurance policy is $1-$2 million and the potential for high-dollar claims in agribusiness.
Designed to increase your liability limits to match your actual risk exposure, an umbrella policy allows a farmer or rancher to increase coverage in $1 million increments up to $10 million or more. Umbrella coverage can help with the costs of remedying physical injuries to others, property damage and privacy/defamation lawsuits.
With your needs in mind, we get to work.
Whether you need coverage for your cattle farm, commercial farming operation, hunting lease, dairy farm, winery, hobby farm or horses, Higginbotham has you covered.
Our prices are competitive, our fees are clear and our deep industry relationships allow us to provide customized solutions while delivering year-round value. We offer the peace of mind you need with the transparency and accountability you want.
And, we help you prevent and minimize loss—not just cover it. Higginbotham delivers year-round value with our Day Two Services® that support your risk management efforts throughout the term of your insurance policies.
We combine our pre- and post-loss capabilities for a 360-degree risk solution. To prevent loss, we identify exposures, review contracts, conduct safety training, validate certificates, support compliance and provide technology tools. To minimize loss after a claim, we report claims to carriers, analyze the insurance policies involved, work to maximize recoveries, offer litigation consultation and respond during catastrophes.
Mary Russell manages Higginbotham’s Private Client, personal lines and farm and ranch department accounts, overseeing approximately 20,000 individual customers. She also serves on the firm’s board of directors and regional partner helping lead the North Texas operations.
She joined Higginbotham in 1990 after working for 5 years at American General Insurance as a claims representative. Mary has been recognized by several insurance carrier’s with awards, Safeco’s Personal Achievement Award, Travelers’ Personal Insurance Agent of the Year in 2013 and then in 2016 the Private Risk Management Association (PRMA) honored her with the JoAnn Heltibridle Award in honor of being a distinguished insurance professional with Private Clients.
Mary has earned CISR (Certified Insurance Service Representative), CIC (Certified Insurance Counselor), and CPRIA (Certified Private Risk Insurance Advisor) designations.
Trevor Russell is the practice leader for Higginbotham’s Farm and Ranch division.
He holds an Agriculture Farm Insurance Specialist designation and has over eight years of experience helping insure commercial farms and ranches, hobby farms, hunting ranches and countless other agricultural operations.
Passionate about agriculture from a young age, Trevor was heavily involved in his High School’s FFA programs. He is highly experienced with high net worth/high profile clients (athletes, CEOs and entertainers).
A great plan starts with a conversation. Let’s talk about what you need.
