Livestock Insurance Information

Livestock insurance is a multifaceted type of coverage with several different policy options. For example, farm owners can buy coverage for specific activities such as their livestock's transit or for auction market coverage; they may buy coverage for specific animals such as poultry coverage or pasture and dairy cattle coverage; or they may buy mortality insurance for animals with an especially high value to the farm such as a stud.

Livestock Mortality and Loss of Use Insurance

Livestock Mortality Insurance allows producers to insure highly valued livestock against loss of life. The Loss of Use Policy protects breeding bulls against injury that would prevent them from breeding your herd.

Livestock Risk Protection (LRP)

LRP allows producers to establish a price floor under their livestock. LRP allows producers to protect against unforeseen moves in the market that can damage their profitability.

•NEW! Weaned Calf Risk Protection - give Joe a call at 605-647-2232 to learn more!

Some farms make all or most of their profits through the crops that they grow. When a disaster, such as a tornado, wildfire or flood strikes and the crops they depend on are devastated, crop insurance can reimburse them for the losses they face. Before buying crop insurance, it's vital that farmers submit an accurate representation of the planted acreage they have per unit. Should they underreport, they may not be reimbursed for all losses they could realistically experience.

Multi-Peril and Crop Hail Insurance

Multi-peril crop insurance provides protection for farm operations large and small. We have the ability to bind crop hail insurance within minutes. If you have hail heading your way, give us a call so we can get you insured immediately.

Rainfall Insurance

Since 1948 the National Oceanic and Atmospheric Administration (NOAA) has measured rainfall throughout the United States. If lack of rainfall can have a negative effect on your operation, consider one of these products:

•Pasture, Range, & Forage Rainfall (PRF) Index - The PRF program is designed to provide coverage for below rainfall on your pasture, rangeland, or forage acres.

•Annual Forage - This pilot program is designed to provide coverage to acres planted each year and used as feed and fodder by livestock. This program also utilizes the Rainfall Index to insure against below average rainfall.

•Apiculture - Similar to PRF, apiculture protects beekeepers against the negative impacts of low rainfall in their operations.

A farm is more than a home, it's your business and livelihood. Therefore, the farm insurance policy combines the coverage from the personal homeowners policy with commercial property and business liability insurance. The policy encompasses your home, buildings, equipment, commodities, and employees. Regardless of the size of your operation or whether you rent or own, we can tailor a policy that suits your specific needs. 

Farm Equipment Insurance

It takes a lot of specialized equipment to run a farm. From tractors to irrigation equipment, trailers to combines, these complicated expensive machines are fundamental to a farm’s ability to operate properly, efficiently and successfully. Equipment insurance for the vehicles and machines on the farm will allow for reimbursement for certain losses and damages and can help keep you operational.

Umbrella Insurance

A farm umbrella policy will help protect your assets that have taken generations to obtain. Farm liability umbrella gives you extra liability coverage above the limits of your farm and auto policy.

Livestock Insurance Information

Livestock insurance is a multifaceted type of coverage with several different policy options. For example, farm owners can buy coverage for specific activities such as their livestock's transit or for auction market coverage; they may buy coverage for specific animals such as poultry coverage or pasture and dairy cattle coverage; or they may buy mortality insurance for animals with an especially high value to the farm such as a stud.

Livestock Mortality and Loss of Use Insurance

Livestock Mortality Insurance allows producers to insure highly valued livestock against loss of life. The Loss of Use Policy protects breeding bulls against injury that would prevent them from breeding your herd.

Livestock Risk Protection (LRP)

LRP allows producers to establish a price floor under their livestock. LRP allows producers to protect against unforeseen moves in the market that can damage their profitability.

•NEW! Weaned Calf Risk Protection - give Joe a call at 605-647-2232 to learn more!

Some farms make all or most of their profits through the crops that they grow. When a disaster, such as a tornado, wildfire or flood strikes and the crops they depend on are devastated, crop insurance can reimburse them for the losses they face. Before buying crop insurance, it's vital that farmers submit an accurate representation of the planted acreage they have per unit. Should they underreport, they may not be reimbursed for all losses they could realistically experience.

Multi-Peril and Crop Hail Insurance

Multi-peril crop insurance provides protection for farm operations large and small. We have the ability to bind crop hail insurance within minutes. If you have hail heading your way, give us a call so we can get you insured immediately.

Rainfall Insurance

Since 1948 the National Oceanic and Atmospheric Administration (NOAA) has measured rainfall throughout the United States. If lack of rainfall can have a negative effect on your operation, consider one of these products:

•Pasture, Range, & Forage Rainfall (PRF) Index - The PRF program is designed to provide coverage for below rainfall on your pasture, rangeland, or forage acres.

•Annual Forage - This pilot program is designed to provide coverage to acres planted each year and used as feed and fodder by livestock. This program also utilizes the Rainfall Index to insure against below average rainfall.

•Apiculture - Similar to PRF, apiculture protects beekeepers against the negative impacts of low rainfall in their operations.

A farm is more than a home, it's your business and livelihood. Therefore, the farm insurance policy combines the coverage from the personal homeowners policy with commercial property and business liability insurance. The policy encompasses your home, buildings, equipment, commodities, and employees. Regardless of the size of your operation or whether you rent or own, we can tailor a policy that suits your specific needs. 

Farm Equipment Insurance

It takes a lot of specialized equipment to run a farm. From tractors to irrigation equipment, trailers to combines, these complicated expensive machines are fundamental to a farm’s ability to operate properly, efficiently and successfully. Equipment insurance for the vehicles and machines on the farm will allow for reimbursement for certain losses and damages and can help keep you operational.

Umbrella Insurance

A farm umbrella policy will help protect your assets that have taken generations to obtain. Farm liability umbrella gives you extra liability coverage above the limits of your farm and auto policy.