Farm Owners Insurance
Comprehensive farm insurance that protects your property and livestock against unexpected losses, giving you peace of mind knowing both your assets and guests are safeguarded from potential claims.
You deserve coverage from experts who understand farming's unique challenges and seasonal demands.
With generations of experience protecting agricultural operations, our expert advisors bring extensive knowledge of modern farming risks to every client relationship. We work closely with you to develop comprehensive insurance solutions that safeguard against crop losses, equipment damage, and liability exposures while monitoring evolving agricultural challenges. Our commitment to ongoing support ensures your farming operation maintains robust protection as your acreage and operations grow.
Our licensed agricultural insurance specialists serve diverse farming operations, from small family farms to large commercial agricultural enterprises. Through continuous monitoring of federal farming regulations, environmental standards, and evolving agricultural risks, we stay ahead of emerging industry challenges. This proactive approach ensures your policy provides comprehensive protection against crop damage, equipment breakdown, and liability from farm operations.
We go beyond standard farm coverage to provide comprehensive protection tailored to your agricultural operation. Our policies cover everything from crop and livestock losses to equipment and structure damage, as well as from liability and worker injuries to business interruption, ensuring no aspect of your farming enterprise remains unprotected.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Coverage for farm structuresincluding barns, silos, storage facilities, and equipment sheds against damage from natural disasters, fire, and vandalism.
• Protection for farming equipmentincluding tractors, harvesters, irrigation systems, and processing machinery against mechanical breakdown and accidental damage.
• Comprehensive crop coverageprotecting against losses from adverse weather, disease, insects, and market price fluctuations during growing seasons.
• Livestock protection coverageincluding death benefits, veterinary expenses, and loss of income due to illness or injury of covered animals.
• General farm liabilityprotecting against visitor injuries, property damage claims, and legal expenses related to farming operations.
• Product liability protectioncovering illness claims, contamination issues, and distribution problems related to farm products sold to consumers.
• Environmental liability coverageaddressing chemical spills, groundwater contamination, and soil pollution incidents resulting from farming activities.
• Employment practices protectioncovering workplace discrimination claims, wrongful termination suits, and harassment allegations from farm employees.
• Loss of income protectioncovering revenue losses during temporary shutdowns caused by covered disasters, equipment failures, or supply chain disruptions.
• Extra expense coverageincluding temporary relocation costs, emergency equipment rental, and additional labor expenses during business interruptions.
• Supply chain disruptionprotection against losses from vendor failures, transportation delays, and raw material shortages affecting farm operations.
• Market access coverageproviding compensation for losses due to road closures, power outages, and infrastructure damage affecting distribution.
• Personal property protectioncovering household goods, furniture, and personal belongings located within the farmhouse and related living spaces.
• Medical payments coverageproviding immediate medical expense compensation for visitors injured on the farm, regardless of liability.
• Custom farming operationsprotecting against losses while performing agricultural services for others, including equipment damage and liability claims.
• Transportation coverage protectionfor farm products, livestock, and equipment during transit between facilities or to market destinations.
On average, Farm Owners insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Larger farm properties require more extensive coverage, with operations over 500 acres typically commanding significantly higher insurance premiums than smaller holdings.
Premium costs increase with higher-value livestock inventory, as dairy cattle operations generally require more coverage than smaller poultry farming ventures.
Modern farming equipment like combine harvesters and irrigation systems increase premium rates due to their high replacement costs and breakdown risks.
Farms growing multiple crop varieties face different premium structures, with specialty crops like orchards requiring higher coverage than traditional grain fields.
The number and condition of farm structures affect rates, with modern grain storage facilities commanding different premiums than older wooden barns.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Standard farm insurance typically covers damage from wind, hail, lightning, and fire, but coverage for floods and earthquakes requires separate policies. Protection levels vary based on your location's risk factors and chosen coverage limits. Some weather-related losses may have special deductibles or coverage restrictions. Regular policy reviews and maintaining updated documentation of farm assets helps ensure adequate protection. Consider supplemental coverage for high-risk seasons or specific crop types.
Farm insurance generally covers injuries to seasonal workers through workers' compensation coverage, but volunteers may require specific endorsements. Coverage depends on state regulations and your policy terms. You must maintain proper employment records and safety protocols for all workers. Some policies exclude certain high-risk activities or require additional coverage for large crews. Regular safety training and clear documentation of worker status helps ensure proper protection.
Basic farm policies cover owned equipment during normal operations, but custom work for others often requires additional endorsements. Coverage extends to listed equipment within specified usage parameters and geographical limits. Certain high-value or specialized equipment may need separate scheduling. Review your policy's limitations on off-premises use and contract work. Maintaining detailed equipment logs and service records helps support potential claims and coverage verification.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
