We Have You Covered
Farm, Business, Auto, Home, Life and Contractors Insurance, as well as specializing in Workers Compensation insurance in California... we have you covered!
Total Farm Insurance
The term farm insurance doesn’t usually refer to a single policy. Rather, farm and ranch insurance can be used to describe a combination of broad coverages that can be combined to protect your farm and your family from costly losses. Farm insurance can function similarly to a homeowners insurance policy in that it can provide personal liability coverage and help pay for property damage to your home and belongings. Unlike homeowners insurance; however, farm insurance can also be used to protect fences, animals and other crops.
What Does Farm Insurance Cover?
Understanding the risks your farm faces is critical when determining which coverage options you could benefit from. Here are some insurance policies which can generally be included with farm insurance:
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Whole Farm Revenue Protection insurance provides a risk management safety net for all commodities on the farm
under one insurance policy.-
Available in all counties in all 50 states.
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Federally subsidized insurance policy based on gross farm revenue. Eligibility up to $17 million in insured revenue.
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Claim proceeds can help maintain financial stability when your total farm revenue falls below your most recent five year average.
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Coverage levels available from 50% to 85% of your historically approved gross farm revenue.
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Whole Farm Revenue Protection is available whether or not you obtain a conventional Multi-Peril Crop Insurance policy (standard yield policy).
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New in 2024: Whole Farm Revenue Protection is now available for single crop operations
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Farm equipment insurance can help pay for damage to certain farm machinery (e.g., tractors, trailers, combines) caused by covered risks.
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Crop insurance can help reimburse you for losses stemming from crops that are damaged by weather related issues.
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Workers’ compensation insurance can help cover expenses (e.g., medical bills, lost wages) if an employee is injured or becomes ill because of their work on your farm.
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Livestock insurance can help pay for unexpected events and accidents affecting your livestock. These policies can often be customized to meet the needs of your farm (e.g., mortality insurance, herd insurance).
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Product liability can help pay for lawsuits alleging that your products caused third-party injury or illness. It is specifically designed for lawsuits arising from your processed products.
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General liability insurance can help cover costs arising from claims that your operations led to third-party property damage, bodily injury, or advertising injury.
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Pollution liability can help cover costs if pollutants on your property or in transit cause third-party injury or illness.
Your insurance needs will vary based on the size, scale and operations of your farm. Whether you own horses, run a hobby farm or have a much larger agricultural operation will affect the coverage you need. Ask your insurance agent if you could benefit from additional coverages.
Who Should Get Farm Insurance?
The following instances could indicate that you have a need for farm insurance:
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You rely on your livestock to provide income.
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You have employees.
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You have other farm structures on your property (e.g., stable, barn).
How Do I Buy Farm Insurance?
Whether you own horses, run a hobby farm or have a much larger agricultural operation you could benefit from farm insurance. We’re here to help you get the financial protection you deserve. Contact Farm West Insurance Services to learn more about our farm insurance coverage options and to speak to an insurance agent.
Click image to download Whole Farm Revenue Protection Details
Commercial Insurance
No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Farm West Insurance Services would like to return the favor by giving you the coverage you need to ensure the security of your business.
At Farm West Insurance Services, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.
We offer the following options for your business assets:
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Life insurance
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Commercial property insurance
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Commercial general liability
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Business owners policy (BOP)
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Commercial auto insurance
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Commercial umbrella insurance
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Professional liability
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Workers compensation
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Crime insurance
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And much more …
Personal Insurance
Auto Insurance
Although auto insurance policies vary, they typically offer a variety of coverages, including:
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Liability coverage
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Collision coverage
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Comprehensive coverage
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Uninsured/underinsured motorist (UM/UIM) coverage
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Medical payments (Med Pay) coverage
Other coverage, such as rental car reimbursement, roadside assistance and gap insurance, may also be available. To learn more about how different coverage can protect you and your vehicle, please call or fill out the free quote form below.
Homeowners Insurance
A standard homeowners insurance policy insures the home’s structure and the possessions inside. It is typically a package policy, which means it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to others.
Policy coverage can include:
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Property protection. This portion of your policy pertains to the physical components of your home, such as the home’s structure and your belongings inside.
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Dwelling: This helps offer protection against damage to the structure of your home, including fixtures, plumbing and heating, due to a covered loss such as a fire or hail storm.
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Other structures: This helps offer protection for detached structures on your property, such as a garage or shed and fixtures attached to the land, such as a driveway, sidewalks, patio, fence and swimming pool.
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Personal property: This helps cover your home’s contents and personal items, such as furniture, clothing and sporting goods. It also typically extends to your personal belongings anywhere in the world. We can provide you with a home inventory checklist to help you quickly and easily itemize your belongings.
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Loss of use: If a covered loss such as a fire forces you from your home, this coverage helps with expenses over and above your everyday living expenses while you cannot live in your home, up to the policy limit.
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Liability protection. This portion of your policy covers lawsuits for bodily injury or property damage that you or your family members may cause to others. It pays for both the cost of litigation and any court awards, up to the policy limit. It covers you whether you are at home or away. If a visitor is injured in your home, medical payments coverage allows the person to submit medical bills directly to your insurance company. Expenses are paid to the injured person up to the policy limit without filing a liability claim against you.
A Farm West Insurance Services agent can help you determine what types and how much coverage you may need. If you have luxury items or finishes within your home, you may need to secure additional coverage. We’ll walk you through all of your coverage options.
Other Personal Insurance
Additional Coverage for Peace-of-Mind Living. From keeping your identity and confidential information secure to insuring your personal items under an umbrella policy, we have the solutions you’ve been looking for should theft, an accident or even a lawsuit ever occur.
Our additional Personal Insurance products include:
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Life Insurance
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Identity Theft
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Personal Umbrella Insurance
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Data Backup
Farm West Insurance Services specialists are standing by to help you find and create the asset protection packages you deserve. Contact our agency today to get started.
