The Hartford doesn’t offer dairy farm 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 Dairy Farm Insurance?
Dairy farm insurance is a package made up of different types of business insurance coverages designed to help protect you from the risks you might face as you manage and operate your dairy farm. Also known as milk insurance, it offers specialized protection for your farm.
A dairy farm insurance package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Spoilage insurance
- Livestock insurance
- Workers’ compensation insurance
Why Might You Need Dairy Farm Insurance?
Dairy farm insurance helps you prepare for what you can’t predict, so you can stay focused on the work at hand.
Dairy farm insurance can help protect your business from many potential risks, like:
- Spoilage: A refrigeration failure spoils the milk stored in your bulk tank, and you lose all that product.
- On-the-Road Accidents: Your delivery truck gets into a fender bender on the way to the market, putting both your schedule and finances at risk.
- Employee Injuries: A farmhand strains their back while hauling feed, and needs medical attention and time off to recover.
Who May Need Dairy Farm Insurance?
Business insurance coverage can help protect many types of dairy farmers, including:
- Milk-producing dairy farms
- Artisanal cheese producers
- Organic or grass-fed dairy operators
- Dairy farms offering agritourism
What Dairy Farm Insurance Coverages Might I Need?
When it comes to protecting your dairy, you’ll want coverage that matches your potential risks. Many dairy farmers start with a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide.
General liability insurance helps protect your dairy operation from claims that it caused bodily injury or property damage to others.
A BOP combines three types of coverages to help protect your farm from everyday risks:
Commercial property insurance helps protect the owned or rented buildings you use to operate, as well as the tools, inventory and equipment you rely on. These can include:
- Milking machines
- Milk coolers
- Storage equipment
- Tractors
- Feeders
- Silos
- Spreaders
- Processing equipment
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
Keep in mind that a BOP won’t cover every kind of claim you might face. You’ll need to get other types of insurance to have well-rounded protection for your farm, such as:
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or your employees use a company-owned vehicle for work.
How Much Does Dairy Farm Insurance Cost?
Although The Hartford doesn’t offer coverage for dairy farmers, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your coverage 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 dairy farm insurance varies because every business faces unique risks. Insurance companies may 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 dairy business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A neighbor blamed our herd for their damaged fence. They sued our farm to pay for the repairs.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Product Liability Insurance
“We sent out a batch of soft cheeses, and a store claimed it made many customers 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
“One of my staff was kicked by a cow during rounds, and she needed several weeks off to recover.”
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.
Commercial Auto Insurance
“One of my feeders was picking up food and other supplies when he swerved into another car.”
Commercial auto insurance helps protect you or your employees on the road when using a company-owned vehicle for work. It can help cover claims of property damage or bodily injury from an accident your business caused.
Commercial Property Insurance
“A fire in our silo ruined thousands of pounds of feed and grain. We had to replace it all ASAP.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Livestock Insurance
“We lost three heifers when a tree came down on the pasture fence during a windstorm.”
Livestock insurance covers the loss or injury of cows due to accidents, disease, theft, natural disasters or transport incidents.
Get a Quote for Dairy Farm Insurance Options
Protect your hard work, your herd and your future. Get a free online insurance quote from Tivly today.
Last Updated: May 18, 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 Insurance Information Institute, "Facts + Statistics: Product Liability,” viewed May 2025.
3 U.S. Bureau of Labor Statistics, “Incidence Rates of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2023,” viewed May 2025.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed April 2026.
** 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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