Koosh Insurance · Specialized Risk Solutions / Industries

    Agribusiness / Farm

    The combine fire on a windy day. The herd loss from a contaminated water source. The crop dispute with the buyer who claims the yield didn't match the contract. Farms and agribusiness operations carry exposures unique to the industry — weather-driven, biology-driven, equipment-intensive, and increasingly tied to commodity contracts and food-safety regulation. Standard commercial coverage misses most of it.

    See what's covered

    Coverage

    What this coverage includes

    • Farm property — buildings, equipment, livestock, crops in storage, and feed
    • Farm liability — premises, products, completed operations, and farm-specific exposures
    • Crop insurance — federal multi-peril and private crop programs, including revenue protection
    • Livestock coverage for mortality, transit, and named-peril exposures
    • Equipment coverage for tractors, combines, irrigation systems, and specialized machinery
    • Pollution liability for operations using fertilizers, pesticides, fuel, and animal waste
    • Product liability for value-added farm products, on-farm processing, and direct-to-consumer sales
    • Workers' compensation with farm-specific class management and seasonal labor considerations
    • Auto liability for farm vehicles, including trucks moving product to market

    Who Buys This

    Who typically buys this coverage

    • Row crop farms — corn, soy, wheat, cotton, specialty grains
    • Specialty crop and produce farms — fruits, vegetables, nuts, berries
    • Livestock operations — cattle, dairy, hogs, poultry, sheep
    • Dairy and dairy processing operations
    • Greenhouse and nursery operations
    • Vineyards, orchards, and wineries
    • Agritourism and farm-based events — pumpkin patches, U-pick, farm dinners, weddings
    • Aquaculture and fisheries
    • On-farm processing and direct-to-consumer (CSAs, farm stands, farmers markets)

    Why Koosh

    Why Koosh Insurance

    Farm and agribusiness insurance is a specialty class that requires understanding of farm operations, federal crop programs, and the regulatory environment around food safety, environmental compliance, and labor. We work the markets that serve agriculture daily. The crop you put in the ground, the herd in the barn, the land itself — every part of it has a different exposure. The policy should know each one.

    Farm and agribusiness specialty market access — carriers built around agricultural operations, not generic property and casualty.

    Crop insurance coordination — federal MPCI, revenue protection, and private crop programs structured alongside farm property.

    Agritourism and direct-to-consumer structuring — endorsements and separate placements for events and on-farm sales.

    Pollution and environmental coverage for chemical inputs, fuel, and waste management.

    Seasonal labor and WC — agricultural class codes and farm employer liability handled correctly.

    Coordination with farm bureaus and pools — we structure private coverage that complements pool participation where applicable.

    FAQ

    Frequently asked questions

    Farm liability includes coverages standard GL excludes — animal injury, custom farming operations, livestock-related claims, and certain product liability for farm output. Standard GL doesn't accommodate the way farms actually operate, and using GL on a farm typically leaves gaps.

    Federal Multi-Peril Crop Insurance (MPCI), administered through the USDA Risk Management Agency and sold through approved private insurers, covers crop loss from natural causes — drought, flood, disease, pests. Revenue protection adds price-based coverage for commodity-price drops. Coverage levels and program eligibility vary by crop and county. We work with crop-insurance specialists at quote.

    Depends on state law. Many states have agricultural exemptions or special rules for farm employees, family members, and seasonal workers. Some require WC for farms with payroll above a threshold; others exempt agriculture entirely. We confirm requirements by state.

    Agritourism activities often need specific endorsements or separate coverage. Many states have agritourism statutes that limit liability for inherent risks, but coverage and statute interaction vary meaningfully. For any farm doing significant public-facing events, we structure agritourism coverage explicitly.

    Pollution exposure is real for farms. Farm pollution coverage addresses sudden and accidental releases; chronic exposure (long-term runoff) often requires separate environmental coverage. We map this for any operation using significant chemical inputs.

    Yes. Standard farm liability often excludes processed or value-added products (jams, cheeses, baked goods, prepared foods). Specific product liability or food-product endorsements address this exposure, which has grown with the rise of direct-to-consumer agriculture.

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    This page provides general information about Agribusiness / Farm insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Agribusiness / Farm

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314