Whether you're growing 10,000 acres of corn or you have 3 goats and a very committed lifestyle choice — we've got coverage for that. Every operation. Every size. Every state we work in.
From hobby farms to enterprise scale. Independent agency. Hundreds of carriers.The guy with 5,000 acres and a full-time bookkeeper. The family passing down the farm for the fourth generation. The couple who moved out of the suburbs, bought land, and are figuring it out as they go. All of you. No operation is too small to need coverage, and no operation is too large to benefit from a second set of eyes on the policy.
Corn, soybeans, wheat, sorghum — large-scale row crop operations with federal crop insurance, grain storage, equipment schedules, and farm liability. The backbone of what we do.
Revenue Protection · Yield Protection · ARC/PLCBeef cattle, cow-calf, feedlot, hogs, sheep, goats — mortality coverage, Livestock Gross Margin (LGM) for margin protection, and farm liability for on-farm operations and custom work.
LGM · Livestock Risk Protection · MortalityBroilers, layers, turkeys — contract and independent operations. Confinement building coverage, mortality, and liability for processing and farm activity. Especially relevant in North Carolina and the Midwest.
Building + Equipment + Mortality + LiabilityDairy herd coverage, farm property for milking facilities, income protection, and liability. Dairy Margin Coverage (DMC) through USDA and supplemental private options. Strong presence in Minnesota and the upper Midwest.
DMC · Herd Coverage · Milking FacilityTobacco, sweet potatoes, citrus, vegetables, sugarcane, sunflowers, sugar beets — specialty crop insurance through USDA and private markets. Relevant across all seven states, each with its own primary specialty.
Whole Farm Revenue Protection · Specialty Crop PlansMortality, major medical, and farm liability for equine operations of any size — boarding stables, training operations, breeding farms, and trail riding facilities. Equine is a specialty and we treat it like one.
Mortality · Major Medical · Boarding LiabilityMulti-generational operations passing coverage from one generation to the next — and brand-new producers starting from scratch. USDA offers beginning farmer premium discounts and fee waivers for the first five years. We know the programs.
Beginning Farmer Discounts · USDA Programs AvailableYou've got 10 acres, some chickens, a couple of pigs, and a dream. We think that's great. We also think your standard homeowners policy probably isn't going to cover any of it. A farm owner's policy fixes that — and it costs less than you'd think.
Farm Owner's Policy · Small Operations WelcomePumpkin patches. Corn mazes. U-pick strawberries. Farm stays and barn weddings. Agritourism is one of the fastest-growing segments of American agriculture — and one of the most underinsured. Standard farm liability won't cover paying visitors. If you're opening the gate to the public, let's talk about what you actually need before someone has a bad day on your property.
Agriculture looks different in Iowa than it does in Florida. We cover both — and the five states in between. Click your state to see what's primary, what's at risk, and what coverage matters most where you farm.
#1 nationally in corn and soybean production. 62% of farmland is rented. Hog inventory ranks #1 in the U.S. Iowa ag is as complex as it gets — and it's where we do a significant amount of our work. Federal crop insurance deadlines hit March 15 for spring crops. Equipment schedules need annual review. Grain storage is a year-round concern. If you're in Iowa, you already know all this — you just need an agent who does too.
Sales closing date for federal crop insurance on corn and soybeans. Miss it and you're out a full crop year. We remind our Iowa clients every January. Consider this yours.
Nebraska runs the largest cattle inventory of any state in the country. It's also a top-5 corn and soybean producer. Irrigation is a defining feature — center-pivot systems represent massive capital investment that needs to be on the equipment schedule. The Sandhills ranching region has its own insurance dynamics around grazing, water rights, and large-acreage liability.
Center-pivot and irrigation systems are expensive and often underinsured. They need to be scheduled at current replacement cost — not what you paid for them in 2015. If you haven't reviewed your irrigation schedule lately, now is the time.
Kansas is the nation's top wheat-producing state. That means a completely different crop insurance calendar than Iowa or Nebraska — winter wheat has a September sales closing date, not March. Kansas also runs significant cattle, sorghum, sunflower, and corn operations. If you're a Kansas farmer who's only used to the March 15 deadline from Iowa conversations, pay attention to that September date.
Winter wheat crop insurance in Kansas has a sales closing date of September 30 — not March 15. This catches Kansas farmers off guard every year. Mark it now.
Montana agriculture is defined by scale — average farm size is among the largest in the country. Spring and winter wheat, barley, and hay dominate, with significant cattle ranching across the eastern plains. Extreme weather events (blizzards, drought, wildfire smoke affecting crops) are regular concerns. Remote geography means equipment breakdowns have different stakes than they do two miles from a John Deere dealer.
Montana's agricultural losses from drought and wildfire have accelerated significantly. Pasture, Rangeland, and Forage (PRF) insurance through USDA is one of the most underutilized tools available to Montana ranchers — it covers forage losses on native rangeland. If you're not using it, ask us about it.
Minnesota is a top-5 state for corn and soybeans, ranks in the top 3 for dairy, and has a unique specialty crop landscape including sugar beets, potatoes, and wild rice that most other states simply don't have. Minnesota dairy operations have specific coverage considerations around milking equipment, herd management, and income protection. The March 15 deadline applies to corn and soybeans here just like Iowa.
Minnesota dairy producers have access to USDA Dairy Margin Coverage (DMC) — a federally subsidized program that protects the margin between milk prices and feed costs. It's one of the best deals in federal ag programs and consistently underutilized. Ask us about enrollment periods.
North Carolina is the #1 sweet potato producer in the country and a top state for tobacco, hogs, poultry (broilers), and Christmas trees — yes, Christmas trees. The ag portfolio here is genuinely diverse and often requires specialty coverage that doesn't exist in standard Midwest farm packages. Hurricane and tropical weather risk adds a layer that Midwest producers don't deal with.
North Carolina operations face hurricane and tropical storm exposure that simply doesn't exist in the Midwest. Specialty crop policies, farm property coverage, and business interruption coverage for ag operations all need to account for tropical weather events. This is not an afterthought — it's a primary coverage consideration.
Florida agriculture bears essentially no resemblance to Midwest farming — and that's exactly why it needs its own approach. Citrus, tomatoes, strawberries, sugarcane, cattle (yes, Florida is a top-15 cattle state), and a significant aquaculture industry. Citrus Greening (HLB) disease has devastated groves over the past decade. Hurricane and tropical weather risk is not a seasonal concern — it's a year-round underwriting reality. Florida specialty crop insurance requires carriers with genuine expertise in tropical and subtropical agriculture.
Florida farm insurance is fundamentally different from anywhere else we work. Hurricane and named storm coverage, freeze protection for citrus, specialty crop policies for vegetables, and aquaculture coverage all require carriers and programs specifically built for Florida conditions. If you're a Florida agricultural operation — tell us everything about your operation, because the standard farm package almost certainly isn't built for you.