The Hartford doesn’t offer 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 Farm Insurance?
Farmstead insurance is made up of different types of business insurance coverages designed to help protect your farm from claims related to accidents, injuries or damages that can happen while you're tending crops, raising livestock or hosting visitors. With coverage from trusted farm and ranch insurance carriers, you can have peace of mind when things don’t go according to plan.
A farm insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
Although The Hartford doesn’t offer insurance for farmers, we help connect you with Tivly, so you can get the coverage you’re looking for.
Why Might You Need Farm Insurance?
Insurance for farms is a collection of coverages that helps provide legal and financial support against lawsuits and claims. So, if your crops are damaged or an essential refrigeration system goes down, this insurance can step in to help your farm function again.
Insurance for farming can help protect your business from other potential risks, like if:
- A piece of equipment breaks down during harvest, causing delays and potential loss of income.
- A visitor slips and falls while touring your farm, leading to medical expenses or a liability claim.
- A fire damages your barn or storage facility, destroying valuable supplies and putting your operations on hold.
What Farm Insurance Coverages Do I Need?
When it comes to protecting your farm, you’ll need coverage that matches your potential risks. Many farmers have a Business Owner’s Policy (BOP), which combines three types of coverage to help safeguard your farm, including:
General liability insurance to help protect your farm from claims that it caused bodily injury or property damage to others.
Commercial property insurance to help protect the owned or rented building you use to run your farm, as well as the tools, supplies, equipment and inventory you rely on. These can include:
- Irrigation systems
- Power tools
- Spreaders
- Harvesting equipment
- Mowers
- Plows
Business income insurance to help replace lost wages if you can’t operate temporarily because of covered property damage.
It’s important to remember that a BOP won’t cover every type of claim you might face as a farmer. You may need to get other types of insurance to create more comprehensive coverage, including:
How Much Does Insurance for a Farm Cost?
Although The Hartford doesn’t offer coverage for 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 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
Keep in mind that the cost of farm 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 farm insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A delivery person sued us after he tripped over equipment near our barn and broke his ankle.”
General liability helps cover claims that your farm hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
Pollution Liability Insurance
“We had a fertilizer spill that ran off into a nearby creek. The cleanup costs were much more than we expected.”
Pollution liability insurance helps cover cleanup costs and legal fees if manure runoff, pesticide use or fuel storage leads to environmental contamination.
Workers’ Compensation Insurance
“One of my farmhands fell from the hay loft and broke his arm. He had to take time off until it fully healed.”
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.
Commercial Auto Insurance
“My crop manager was transporting corn in our box truck when he accidentally side-swiped a car while making a turn.”
Commercial auto insurance helps cover property damage claims from an accident you or an employee causes when using a company-owned vehicle for work.
Commercial Property Insurance
“A fire broke out in my building, damaging our equipment and supplies.”
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 several cattle during an ice storm.”
Livestock insurance helps cover the loss or injury of cows due to accidents, disease, theft, natural disasters or transport incidents.
Get a Quote for Farm Insurance Options
Farming is hard work. Getting insurance should be easy. Start your quote for farm insurance through Tivly today.
Last Updated: January 29, 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,” viewed January 2026.
3 U.S. Centers for Disease Control and Prevention, “Agriculture Worker Safety and Health,” viewed May 2025.
4 U.S. Fire Administration, "Nonresidential Fire Estimate Summaries,” viewed May 2025.
** 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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