Agribusiness, Farm & Ranch | Republic Insurance

Built for operations where weather, livestock, equipment, people, and liability all move fast

Republic Insurance Group helps farms, ranches, equine businesses, and agriculture-adjacent companies protect what they’ve built—with coverage design, risk management support, and a team that speaks the language of the industry.

Coverage for property, liability, vehicles, workers comp, and specialty exposures
Claims advocacy + long-term risk management support
Solutions for both “working ranch” and commercial ag enterprises

Who We Serve

We serve traditional and commercial-scale agricultural operations, including:

Working farms (row crops, specialty crops, mixed-use)
Cow/calf, stocker, and commercial ranch operations
Family-owned and multi-generation ranches
Feed yards, sale barns, and livestock facilities
Agribusinesses tied to land, production, and distribution
Farm and ranch landlords and leased land operators
Agricultural service companies operating on rural property
Owner-operated and multi-entity ag enterprises

If your operation involves land + equipment + vehicles + employees + third parties, your insurance must be designed as a system—not purchased policy by policy.

Coverage built around how you actually operate

Your operation may need a blend of policies, endorsements, and limits. Common lines include:

Property & Farm/Ranch Coverage

Dwellings (where applicable), barns, shops, arenas, and outbuildings
Equipment, tools, tack, and stored materials
Fences, gates, signage, and improvements
Farm personal property and on-premises inventory
Business interruption / loss of income (when applicable)

General Liability

Premises liability (visitors, customers, vendors)
Operations liability (day-to-day work)
Products/completed operations (if you sell or manufacture goods)
Landowner liability considerations (where applicable)

Commercial Auto & Farm Fleet

Ranch trucks, trailers, and service vehicles
Hired and non-owned auto (employees using personal vehicles)
Driver qualification and fleet safety guidance

Workers’ Compensation

Employee injury protection and employer liability
Multi-location considerations (if applicable)
Return-to-work and safety program structure

Umbrella / Excess Liability

Added protection over GL/Auto/Employers Liability
Useful for ranches with events, public interaction, or higher net worth exposure

Agriculture carries unique exposures

Farm and ranch operations face a combination of risks rarely found in other industries:

Property loss from fire, wind, hail, and weather extremes
Equipment damage and downtime
Livestock-related liability and property damage
Vehicle and trailer losses across rural territories
Employee injuries and labor exposure
Public access and premises liability
Contractual requirements from lenders, landlords, or partners
Business interruption following a covered loss

We help identify where these risks overlap—and where coverage gaps typically hide.

Specialty Farm & Ranch Coverages

Depending on your operation, we may also recommend additional protection as needed:

Equipment Breakdown – protection for mechanical or electrical failure
Extra Expense Coverage – helps offset costs to keep operations running
Farm Personal Property Enhancements – expanded coverage for tools and supplies
Crime / Employee Dishonesty – theft of money, materials, or equipment
Pollution / Environmental Liability – where applicable to ag operations
Cyber Liability – for operations using digital systems, accounting, or remote access
Agritourism Endorsements – where farms or ranches allow public access or events

Industries & Operation Types

Common farm & ranch accounts

Cow/calf and cattle operations
Row crop and specialty crop farms
Mixed-use farms and ranches
Feed lot & dairy
Produce & growers
Livestock auction & sale barn
Agricultural landlords and lessors
Multi-entity ag businesses
Family offices with ag assets
Rural property owners with active operation
Agriculture focused trucking & logistics
Gentleman ranches & hobby farms
regenerative farming operations

We approach agribusiness differently

Agriculture requires more than quoting a policy. Our process focuses on long-term protection:

1. Operational discovery
We learn how your land, equipment, people, and vehicles interact.
2. Coverage coordination
We align property, liability, auto, and workers’ comp so exclusions and limits don’t conflict.
3. Risk management support
Practical guidance on contracts, certificates, safety, and loss prevention.
4. Claims advocacy
When a loss occurs, we help present and manage the claim—not just report it.

Frequently Asked Questions

1) What’s the difference between farm insurance and commercial insurance?
Farm and ranch policies blend personal, commercial, and agricultural exposures. The right structure depends on how revenue is generated and how the operation is run.

2) Are livestock automatically covered?
Livestock may be covered differently depending on ownership, location, and use. Coverage should be reviewed carefully to avoid gaps.

3) Do I need commercial auto if my trucks are registered personally?
Often yes. Vehicle use matters more than registration. Business use can create uncovered exposure without the right policy.

4) Is workers’ comp required on a farm or ranch?
Requirements vary by state, but even when not mandated, workers’ comp can be critical protection.

5) Should I carry an umbrella policy?
If you have vehicles, employees, land exposure, or higher asset values, an umbrella often makes sense.

6) Can you insure leased land or leased equipment?
Yes, but leases should be reviewed to ensure insurance responsibilities are aligned.

7) Does my policy cover agritourism or guests on the property?
Public access can change your risk profile. Coverage should be structured specifically for those activities.

8) How often should farm and ranch insurance be reviewed?
At least annually—and anytime you acquire land, equipment, or vehicles.

Insurance built for the realities of agriculture

Whether you operate a family ranch or a commercial agribusiness, Republic Insurance Group delivers coverage designed to support your operation today and protect it for the long term.