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Storms, drought, and other natural events can damage crops, livestock, and property.
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Agriculture, Forestry & Fishing Insurance
Whether your income comes from fields, livestock, woodland or water, the production cycle matters when choosing insurance for your work.
The Southern Agency can assist in reviewing your agricultural or resource-based operations to identify potential insurance needs.
Operations within this group
You may grow crops, raise animals, manage woodland, or produce fish and shellfish, with different risks depending on the work you do. Storm damage, equipment accidents and injuries to seasonal staff can interrupt a production cycle and leave unexpected bills.
The Southern Agency can review your production methods and help you choose insurance for your own operation. That could mean property protection for farm buildings, mobile-equipment coverage for forestry work or liability involving products you sell, with living crops and stock considered separately.
Find your business
Choose your business type to discuss insurance with The Southern Agency. If it isn’t listed, call an agent to ask whether we can place it.
- Agricultural Pest ControlYou provide ground-based pest control, scouting and treatment advice.
- Almond FarmAlmond farm insurance considers orchard trees and annual production, irrigation pumps, rented harvest machines, stored nuts and hulling duties.
- ApicultureApiculture insurance considers living colonies separately from hive equipment, pollination hauls, sting claims, honey products and grower agreements.
- Apple OrchardInsurance for your orchard's harvest, stored apples, equipment, and visitor activities.
- AquacultureAquaculture insurance considers living stock, life-support systems, external power loss, discharge duties, coastal assets and harvested seafood.
- Avocado FarmAvocado farm insurance for grove infrastructure, irrigation failures and harvest work, with trees and fruit reviewed separately.
- Beef Cattle RanchBeef cattle ranch insurance considers escaped-animal claims, herd death-loss terms, leased pasture, remote improvements, equipment and cattle hauling.
- Berry FarmBerry farm insurance considers picked-fruit spoilage, cooling machinery, tunnel structures, U-pick visitors, food claims and seasonal crews.
- Broiler Chicken FarmYou raise broiler chickens in houses that rely on ventilation, heat and dependable power.
- Cattle FeedlotYou feed and handle cattle using pens, mixing equipment and weighing systems, and some animals may belong to customers.
- Chicken Egg FarmInsurance for egg producers, highlighting food-safety, contamination, and specialized refrigeration needs.
- Citrus GroveInsurance for citrus grove operations facing weather, disease, and packing-line risks.
- Corn FarmCorn farm insurance considers combines, dryers, peak bin inventory, grain hauling, custom work and harvest or auger injuries.
- Cotton FarmInsurance for cotton farming operations including fiber harvest, module storage, and chemical management.
- Covered Crop FarmInsurance for farms using tunnels, greenhouses, and climate-controlled structures to extend growing seasons.
- Crop Dusting ServiceInsurance for ground operations for aerial applicators including loading, fueling, and chemical management.
- Crop FarmInsurance for diversified crop farms managing varied machinery, storage systems, and rotating commodity inputs.
- Dairy FarmInsurance for dairy operations managing milking infrastructure, refrigeration, and cattle health.
- Dry Bean FarmInsurance for dry bean farming operations involving specialized harvest machinery, moisture-sensitive storage, and grade-driven markets.
- Dual-Purpose Cattle RanchInsurance for dual-purpose ranches raising cattle for beef and milk, managing blended grazing and parlor exposures.
- Equine FarmEquine farm insurance considers actual riding services, client-horse custody, owned-animal interests, stable property, independent instructors and hauling.
- FarmYou operate a farm that may combine your residence with commercial production, livestock, storage and machinery.
- Farm Equipment Repair and MaintenanceYou provide maintenance and repair for tractors, combines and implements in your shop or directly in the field.
- Farm Labor Supply CompanyFarm labor supply insurance for placed workers, crew transport, employment allegations and duties shared with growers.
- Farm Management ConsultingYou provide advisory services ranging from crop planning and budgeting to actively directing farm operations.
- Finfish FarmFinfish farm insurance considers peak biomass, shared water-system failures, mortality and escape, shore or pen assets, and seafood responsibilities.
- Firewood Cutting OperationYou operate a firewood business that may involve buying logs, felling trees, splitting wood or delivering to customers.
- Flower GrowerYou grow flowers in fields, tunnels or greenhouses and prepare them for florists, events or markets.
- Flower NurseryFlower nursery insurance considers growing and resale plants, climate systems, retail visitors, delivery and installation, and survival promises.
- Forest Product CollectionYou gather non-timber forest products like pine straw, mushrooms or decorative greenery.
- Forestry ConsultingProfessional liability and operational insurance for forestry consultants.
- Fruit and Tree Nut FarmOrchard insurance considerations for harvest equipment, permanent trees, annual crops, stored goods and any public or processing work.
- Fur Harvesting OperationInsurance for wild fur trappers, gear, transport and inventory storage.
- Fur-Bearing Animal FarmInsurance for fur-bearing animal herds, housing and equipment.
- Game Reserve ManagementInsurance for game reserves, guest activities and wildlife management.
- Goat FarmInsurance for goat farming, milk processing and on-farm sales.
- Grain FarmInsurance for grain harvests, storage infrastructure and heavy machinery.
- Grape VineyardInsurance for perennial vines, harvest machinery and hospitality areas.
- Grapefruit GroveGrapefruit grove insurance for irrigation, frost-protection equipment, harvest crews and the fruit-handling work you perform.
- Greenhouse GrowerInsurance for greenhouse structures, climate control and plant inventory.
- Harvesting ContractorInsurance for mobile harvesting fleets and contract crop handling.
- Hay FarmInsurance for forage production, custom baling, and hay storage.
- Hog FarmInsurance for swine confinement, herd health, and manure management.
- Hunting OutfitterInsurance for guided hunting services, client transport, and lodge facilities.
- Irrigation System InstallerInsurance for irrigation system design, installation, and field service.
- Logging CampInsurance for forestry operations, heavy logging machinery, and crew housing.
- Mushroom FarmInsurance for indoor mushroom cultivation, including climate control and food safety.
- Noncitrus Fruit FarmInsurance for fruit production, U-pick activities, and market operations.
- Nursery FarmInsurance for wholesale nursery growers, including field and greenhouse operations.
- Oilseed FarmInsurance for oilseed production, harvesting, and grain storage.
- Orange GroveInsurance for citrus growers managing groves through freeze, disease, and harvest cycles.
- Peanut FarmInsurance for peanut growers managing digging, curing, and storage operations.
- Plant NurseryInsurance for retail garden centers and plant nurseries.
- Post-Harvest ProcessingInsurance for facilities that clean, sort, grade, pack, and store crops post-harvest.
- Potato FarmInsurance for potato growers managing climate-controlled storage and harvesting.
- Poultry HatcheryInsurance for hatcheries managing egg incubation and live-chick logistics.
- Pulpwood ProductionInsurance for producers who harvest and haul pulpwood to mills on tight schedules.
- Reforestation ProjectInsurance for reforestation contractors restoring forest land through site prep and planting.
- Rice FarmInsurance for rice growers managing flooded paddies, irrigation, and drying infrastructure.
- SawmillSawmill insurance for processing machinery, lumber values, customer logs and production interruptions.
- Sheep FarmInsurance for flock-loss terms, shearing crews, grazing responsibilities, stored wool, and the transport of sheep and products.
- Shellfish FarmInsurance for growing stock, waterborne gear, harvest closures, vessels, and product responsibilities for shellfish farms.
- Soil Testing and AnalysisYour soil testing and analysis business relies on precise sampling and interpretation to guide client decisions.
- Soybean FarmCoverage for soybean harvest equipment, stored-bean condition, spraying responsibilities, and delivery arrangements.
- Specialty Animal FarmInsurance for species, animal values, public contact, breeding or product promises and transport arrangements for specialty animal farms.
- Specialty Crop FarmSpecialty crop farm insurance for growing and harvested stock, market sales, delivery and any cooling or processing you perform.
- Specialty Poultry FarmInsurance for flock-loss causes, heating and ventilation, bird and product sales, and premises responsibilities for specialty poultry farms.
- Sport Fishing GuideSport fishing guide insurance for paid trips, boating and trailering, tackle and crew responsibilities.
- Strawberry FarmStrawberry farm insurance considers picking crews and U-pick visitors separately, growing versus picked fruit, cooling systems, tunnels and buyer responsibilities.
- Sugar Beet FarmYour sugar beet farm operates on a compressed harvest schedule that relies on heavy machinery and synchronized hauling to receiving stations.
- Sugarcane FarmReview your field-burning responsibilities, harvesting equipment, fuel and chemical handling, and mill-delivery dependencies on a sugarcane farm.
- Sustainable Forest ManagementYour firm prepares growth models, harvest schedules, and field inventories to manage working forests.
- Tangerine OrchardYou invest heavily in your tangerine trees and seasonal harvest, from irrigation to picking and packing.
- Timber TractYour timber tract may contain cabins, access bridges, and growing stands, while attracting hunters and harvest contractors.
- Tobacco FarmTobacco farm insurance considers curing methods, leaf values by stage, barn and machinery losses, seasonal worker illness and buyer acceptance.
- Tree FarmTree farm insurance considers standing versus cut stock, choose-and-cut tools and attractions, seasonal crews, equipment and orders awaiting pickup.
- Tree NurseryTree nursery insurance considers growing stages and values, irrigation dependencies, dug and sold-but-held trees, delivery, planting and buyer promises.
- Tree Nut OrchardProducing and processing tree nuts involves specialized machinery and food-safety responsibilities, especially if you store or hull for others.
- Turkey FarmTurkey farm insurance considers live-bird ownership, house systems, disease restrictions, grower payments, litter duties and outside catching crews.
- Vegetable FarmYour vegetable farm manages many moving parts, from field harvest and washing to market delivery.
- Wheat FarmHigh-value machinery, grain storage hazards, and harvest-cycle risks for wheat growers.
- Wildlife Trapping ServiceLiability for damage and injury during animal removal at customer properties.
- Woodlot LeasingLandowner liability for leased timberland and access management.
Risks across this group
Heavy equipment hazards
Tractors, harvesters, and machinery create serious injury and property exposure.
Livestock and biological risk
Animal health, disease, and handling carry both loss and liability potential.
Labor-intensive work
Physically demanding, often seasonal labor leads to significant injury exposure.
Remote operations
Distance from emergency services complicates response when incidents occur.
Product and contamination exposure
Food and agricultural products can lead to claims if contamination or defects occur.
Coverage worth discussing
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
- Commercial Property InsuranceMay help restore insured farm or shore buildings, stored goods, and other property after covered damage. Growing crops, animals and living stock need separate terms.
- Inland Marine InsuranceMay help repair or replace insured mobile machinery after covered damage in fields, woodland, or other accepted locations.
- General Liability InsuranceMay help with covered injuries to others or damage to their property during the agricultural, forestry, or fishing activities the policy accepts.
- Workers Compensation InsuranceMay provide benefits for covered work injuries involving machinery or physical labor. Agricultural, seasonal, and marine employment rules need specific consideration.
- Product Liability InsuranceMay help with covered injury or property-damage claims involving the products you sell. Replacing your goods and recall expenses are separate questions.
Related coverage guides
Situations to think through
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
Hypothetical: Equipment damage
A harvester is damaged during operations. Inland marine coverage may help with repair or replacement, subject to policy terms.
Hypothetical: Worker injury
A field worker is injured operating machinery. Workers compensation may help with medical care and lost wages, subject to state rules.
Hypothetical: Product contamination
An agricultural product is alleged to have caused illness. Product liability may help respond to the covered claim, subject to terms.
Before you talk to an agent
Questions to raise
- Separate buildings and stored goods from growing crops, live animals, and standing timber when listing values. A property policy for the barn does not establish coverage for the harvest or herd.
- Describe paid work for other growers, chemical application, visitor activities, and processing as well as production. Those activities need their own coverage review.
- For machinery, distinguish accidental external damage from an internal mechanical failure. Ask about equipment breakdown and wear-and-tear exclusions instead of treating every stopped machine as an inland marine loss.
Contract terms to check
- Bring land leases, equipment finance agreements, and processor or buyer contracts so their insurance conditions can be checked individually. Review workers compensation obligations for the states, employment arrangements, and agricultural activities involved; seasonal status alone does not resolve eligibility or exemptions.
What the agent conversation looks like
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
- ListenReview your operations, current coverage, and past claims.
- AssessIdentify potential hazards and discuss ways to reduce risk.
- BuildDiscuss policy and carrier options, premium costs, and audits.
- SupportReview changes and help you plan ahead as your needs develop.
Questions owners ask
Does commercial property cover crops in the field?
Do not assume a buildings-and-contents policy covers growing crops. Ask about crop-specific coverage and its covered causes of loss separately.
Is farm equipment covered when it moves between fields?
Farm equipment or inland marine terms may address machinery away from the farm premises. Check the equipment schedule, travel territory, theft conditions, and exclusions; movement alone does not establish coverage.
Do agricultural producers need product liability?
Food or agricultural goods alleged to cause injury or property damage can create product liability claims. Recall, withdrawal, and disposal costs are a separate coverage discussion.
Are seasonal workers covered by workers compensation?
Confirm the applicable state's rules for agricultural and seasonal labor, including any exemptions and employment arrangements. Discuss voluntary coverage where available rather than assuming seasonal staff are either covered or exempt.
Why does remote operation matter for insurance?
Distance from emergency services can affect incident response. Describe access roads, communications, fire protection, and the locations of machinery and buildings during the coverage review.
Tell us what your agriculture, forestry & fishing business does
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.