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They plant seeds with care and tend their crops meticulously. They feed and house livestock. Their everyday job puts food on our tables. Who are they?

They are the hardworking farmers of this nation, and we celebrate them on October 12th of every year.

Decades of dedication, patience, and trial-and-error led to the type of farming we have today, and just like any other business owner, a farmer must protect their business.

It is much harder to do when your livelihood depends on unpredictable factors like the weather, bugs, and the health of your animals—where anything could happen that could drastically impact them—but insurance companies have come up with ways to protect farmers from financial losses out of their control so they can keep their businesses running and their customers happy.

Protecting The Property, Acre By Acre

First and foremost, farms (and ranches) need coverage for the property itself. A farm is always considered a big risk in terms of insurance because all of the property and equipment, products, livestock, and profit are located at one vital location.

A farm also combines residential exposures (houses) with commercial exposures (barns, farm land, livestock), which creates a need for a detailed understand of everything going on at said location. If there were to be a loss, the potential impact is much greater and affects not just a business, but a home as well.

Protecting Solid Business Relationships

Alternatively, some farmers are dealers of farm feed, fertilizer, seeds and supplies to other farmers. These farmers do not necessarily grow their own crops, but aid in the growth of others’ by selling supplies and fertilizer and sometimes applying that fertilizer for the other farmers. They can have seed or grain silos, for which they would need insurance for as well.

The fertilizing and seeding of farm land also requires a tractor, soil cultivator, seeder, spreader, and/or sprayer, as well as many other pieces of equipment that coverage can be obtained for.

Protecting The Animals, Big And Small

Other farmers raise animals exclusively and need insurance that will cover their farm, their feed supply, and their livestock, such as pigs, cows, goats, sheep, etc. with specialty coverage for poultry and horses.

This insurance protects a farmer’s livelihood by indemnifying them for losses due to the death of an animal from natural causes or otherwise. That indemnification will consequently provide funds for the loss of income due to the death of the animal(s) and/or the money required to purchase or breed replacement livestock.

Protecting Ongoing Business Transactions

When the crops are ready for harvest, a farmer can sell their product commercially or locally. Commercial sales involve contracts and quotas, something for which insurance can provide coverage if a contract cannot be fulfilled due to a bad year, an insect infestation, damage due to weather, fire, and other factors.

Local sales can happen directly on the farm itself or at a farmer’s market. Farmer’s markets need insurance just like the farmers do to sell their product. The primary staple of a farmer’s market is almost always fresh produce, but they expanded due to the demand to include baked goods, fresh fish and meat, canned and jarred goods, and crafts. Some markets even allow the sale of ready-to-eat, restaurant-style food and drinks.

How To Celebrate Farmer’s Day

As a way to thank farmers for all that they do and celebrate their national holiday today, October 12th, stop by your local farmer’s market right in your own hometown, wish them a happy National Farmer’s Day, and enjoy all they have to offer. has been cultivating success for businesses for over 15 years.  We are able to help businesses find the right insurance for the right price. Contact us for an insurance quote and start protecting your business today!