The Hartford doesn’t offer agriculture insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Agriculture Insurance?
Agriculture insurance is another name for small business insurance. It’s a package made up of different types of business insurance coverages that help protect your business from claims related to accidents, injuries or damages that could happen while you harvest crops, manage livestock or operate heavy equipment.
An agriculture insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Commercial auto insurance
- Workers’ compensation insurance
Why Might You Need Agriculture Insurance?
Agriculture insurance is a collection of coverages that helps protect your farm from everyday risks. If pests wipe out your crops or neighbors sue you over manure runoff, this coverage can help safeguard the future of your farm.
Coverage from an agriculture insurance company can help protect your business from:
- Equipment breakdowns: If your irrigation system fails during peak season, insurance can help cover repair or replacement costs to avoid crop loss.
- Crop damage: If pests destroy your harvest, insurance can help you recoup lost income.
- Visitor injuries: If a visitor is injured on your property, liability coverage can help pay for medical expenses and protect you from costly lawsuits.
What Agriculture Insurance Coverages Might I Need?
When it comes to protecting your agribusiness, you’ll want to ensure you have the right coverage to match your potential risks. Many farmers and growers have a Business Owner’s Policy (BOP) because it can help protect you from risks you’ll face every day.
A BOP combines three types of coverage into one policy:
General liability insurance helps protect your agribusiness from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, equipment and supplies you rely on. These can include:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
- Harvesting equipment
- Spreaders
- Sprayers
- Irrigation systems
- Plows
- Feed
Business income insurance helps protect you if you can’t operate temporarily because of covered property damage. This coverage can help pay for your ongoing operating costs, such as payroll or utility bills.
It’s important to remember that a BOP won’t cover every kind of claim you might face. You’ll need to get other types of insurance to create well-rounded protection, including:
Workers’ compensation insurance to give your employees benefits to help them recover from a work-related injury or illness.
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees is using a company-owned vehicle for work.
How Much Does Agriculture Insurance Cost?
Although The Hartford doesn’t offer agriculture insurance, here are the average costs our small business customers have paid for common types of insurance. You can use these amounts to help estimate your costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of agriculture insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A visitor fell in the milking barn during a farm tour and sued us to help pay for their medical bills.”
General liability insurance helps cover claims that your agribusiness hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
Product Liability Insurance
“A customer from the farmers market claimed the cheese they bought from us made them sick.”
Product liability insurance helps protect your business from claims that a product you made or sold caused bodily injury or property damage to someone else’s belongings.
Workers’ Compensation Insurance
“My groundskeeper got heat stroke and had to go to the hospital. He ended up missing a week of work and had multiple follow-up appointments before he could return to work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work.
Professional Liability Insurance
“One of my clients sued my manager and our business, claiming the produce we delivered was spoiled and caused their customers to get sick.”
Professional liability insurance helps protect your business from claims that it made a mistake in the professional services given. It can help pay legal costs, such as attorney fees, judgments and settlements.
Commercial Property Insurance
“A storm ripped through and tore the roof off our storage barn. It was a mess. We lost the building and the equipment in it.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Crop Insurance
“A late frost wiped out a huge chunk of our spring crop.”
Crop insurance helps cover losses due to drought, flood, pests or other weather-related or uncontrollable events that impact your harvest.
Get a Quote for Agriculture Insurance Options
Stay covered from seed to silo. Get a quote through Tivly today.
Last Updated: June 11, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims”
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023"
4 American Farm Bureau Federation, “Hurricanes, Heat and Hardship: Counting 2024’s Crop Losses”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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