Commercial coverage
Commercial Farm and Agribusiness Insurance
We insure working farms, ranches, wholesale nurseries, and commercial wineries as businesses. The coverage is commercial: liability for the operation, property for barns, shops, irrigation, and production equipment, inland marine for mobile machinery, and — where people are employed in a competitive state — workers compensation. In Washington, farm payroll follows L&I like any other employer.
We do not write hobby farms, barndominiums, or farm dwellings as a stand-in for a homeowners policy. If the acreage is a residence with a few animals, that is personal lines, and we are a commercial broker. If the acreage is how you make a living, we should talk.
Property schedules on a commercial farm are longer than a shop policy. Outbuildings, grain or cold storage, irrigation pumps, livestock equipment, and roadside stands each need a limit and a valuation. We walk the schedule instead of dropping one blanket number on barns.
Liability includes premises for visitors and U-pick or farm-stand traffic, products for what you sell, and custom-farming or custom-feeding when you work other people's land or animals. Chemical application and fuel storage bring the same pollution conversation we have with landscapers — the GL exclusion does not disappear because the zip code is rural.
Wineries sit at the intersection of agribusiness, manufacturing, and hospitality. We treat crush, barrel inventory, tasting-room liquor, and retail as separate exposures that happen to share a driveway. Wholesale nurseries are inventory-and-greenhouse accounts with weather and spoilage questions, not just farms.
Arkansas, South Dakota, Idaho, Texas, Indiana, eastern Washington, eastern Oregon, and rural Pennsylvania are where this page earns its keep. We still write a commercial farm from the Tukwila office; the mailing address in Vancouver is used when that is how you correspond.
- Working farms and ranches For-profit crop and livestock operations, including leased farmland run as a business.
- Wholesale nurseries Greenhouse and field-grown wholesale plant inventory, not a backyard garden.
- Commercial wineries Production, barrel and case goods, and tasting-room hospitality as a commercial account.
- Mobile equipment Tractors, implements, and harvest equipment on an inland-marine or farm-equipment schedule.
Frequently asked questions
Do you insure hobby farms or farm houses?
No. We write commercial agribusiness. Dwellings, hobby livestock, and barndominiums are personal lines and outside our book.
Can a winery buy farm coverage and restaurant coverage together?
Yes — and they should be scheduled as production, inventory, and tasting-room / liquor, not as one vague winery limit. We place the pieces so a tasting-room claim does not argue with a barrel-house claim.
What about custom harvesting or custom cattle feeding?
That is a liability and equipment story, sometimes with a care-custody-control issue on other people's livestock or crop. Tell us whose property you are on and whose animals you are feeding.
Does Washington L&I apply to farm employees?
Farm employers in Washington generally still belong in the L&I system for WA-situs workers. We place stop-gap and any competitive-state WC; we do not replace L&I.
Related coverage, industries, and locations
Commercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsWinery and Brewery
Production, barrel and tank inventory, tasting-room liquor, and a commercial farm or manufacturing chassis — not a bar policy.
Industry pageFood Manufacturing
Commissaries and food plants: spoilage, contamination, products, and the equipment that runs all night.
Industry pageWholesale and Distribution
Warehouse property, fleet, products liability, and cargo for distributors who move other people’s shelves.
Industry pageSouth Dakota
Licensed commercial insurance broker serving South Dakota.
State page