Top 10 Farm & Ranch Insurance Coverages

Essential specialty coverages every producer should explore beyond the basics of property, liability, auto, and workers’ comp.

When it comes to protecting your farm or ranch, standard coverages like property, liability, auto, and workers’ compensation are just the beginning. As operations grow more complex and diversified, so do the risks. From product recalls and drone liability to livestock and peak season surges, producers across Idaho are asking smart questions—and requesting smarter protection.

In partnership with FARE Idaho, we’ve compiled the 10 most-requested specialty coverages to help ensure your operation is prepared for the unexpected, the seasonal, and the evolving.

1. Stock Throughput Coverage

A comprehensive insurance solution for producers moving goods from farm to customer. This policy covers products through their entire journey—from origin, through warehousing, to final delivery—eliminating gaps across multiple policies (marine, transit, storage).

2. Product Recall

Protects in the event that your product is recalled due to suspected defect or dangerous causes. Coverage would include reasonable and necessary expenses such as cost of announcements, transportation, disposal and more.

3.Pollution Liability and Chemical Drift

Covers accidental releases or spills from storage tanks, animal waste, and drifting of pesticides or herbicides from spray services. Particularly important for operations near waterways or those handling fertilizers or fuels.

4. Farm Business Interruption Insurance

If operations are halted due to fire, storm damage, or equipment failure, this policy can cover lost revenue, ongoing expenses, and the costs to restart your business.

5. Equipment Breakdown Coverage

From pivots and tractors to refrigeration and irrigation, this policy helps cover repair or replacement costs when essential equipment fails due to mechanical breakdowns or electrical surges.

6. Food Contamination & Spoilage Coverage
Protects against losses from tainted, spoiled, or unsafe food products. Helps cover recall costs, inventory loss, and reputation damage—especially important for dairy, meat, produce, and value-added goods.

 7. Drone Liability Insurance

Drones are increasingly used for crop monitoring, livestock tracking, and mapping. This coverage protects producers from liability if a drone causes property damage or injury.

8. Animal Mortality Insurance

Provides reimbursement in case of unexpected death of high-value livestock due to illness, accidents, or weather events—essential for heritage breeds, breeding stock, and show animals.

9. Grazing Lease & Non-Owned Livestock Coverage

Landowners leasing grazing land need general liability protection. Coverage can also extend to animals owned by others but under your care, custody, or control.

10. Peak Season Coverage

Specialized coverage that allows you to increase limits during periods of time when your farms assets are at their highest, during harvest or calving season or when your farm is at its busiest time of year.