Protect the land, equipment and production your operation depends on
A working farm combines a home, commercial property, machinery, vehicles, livestock, employees, visitors and seasonal production in one operation. Farm and crop insurance help protect different parts of that risk so one storm, accident, equipment loss or poor growing season does not threaten everything you have built.
Farm insurance and crop insurance are not the same policy
Farm insurance generally protects the physical operation and its liability exposures. Crop insurance is designed around eligible agricultural production or revenue. Depending on what you raise, grow, own and sell, your operation may need one or both.
Farm package insurance
A farm package may combine personal and commercial-style protection for the property and activities that make up the farm.
- ✓Farm dwelling and household property
- ✓Barns, shops, sheds and outbuildings
- ✓Tractors, machinery and farm equipment
- ✓Farm supplies, tools and products
- ✓Farm liability and premises exposure
- ✓Optional livestock and specialized endorsements
Crop insurance
Crop insurance may protect eligible production or revenue against specified causes of loss, depending on the crop, county, plan and policy elections.
- ✓Eligible yield or production losses
- ✓Eligible revenue protection options
- ✓Coverage based on applicable crop provisions
- ✓Production-history and acreage reporting
- ✓County- and crop-specific sales deadlines
- ✓Potential NAP options when crop insurance is unavailable
Coverage designed around the way your farm actually operates
A standard homeowners policy may not be designed for barns, commercial farming activity, large equipment, livestock, paid farm workers or products sold to the public. A farm policy can combine several exposures under one coordinated insurance program.
Farm dwelling
Protects an eligible residence on the farm, along with covered household property, additional living expenses and personal liability exposures.
Barns and outbuildings
Can protect scheduled barns, machine sheds, shops, poultry houses, storage buildings and other structures used in the farming operation.
Tractors and machinery
Coverage may be scheduled or written on a blanket basis for tractors, implements, harvesting equipment, utility vehicles and other farm machinery.
Farm personal property
May include tools, supplies, feed, seed, fertilizer, portable equipment and other covered property used in the operation.
Livestock coverage
Depending on the form, livestock may be scheduled or covered under a blanket for specified causes of loss. Specialized mortality or livestock products may be needed for broader protection.
Farm liability
Helps protect against covered bodily injury or property damage claims arising from farm premises and qualifying farming activities.
Farm income and extra expense
Certain farm operations may need protection for lost income or extra expenses when covered damage interrupts normal operations.
Farm employees
Farms with employees may need workers compensation, employers liability, employment practices coverage and commercial auto coordinated with the farm package.
Farm products and agritainment
Roadside sales, farm stores, farmers markets, pumpkin patches, events, tours, hunting access and other public activities may require additional liability protection.
Crop coverage should be matched to the crop, county and financial exposure
Federal crop insurance is delivered through approved insurance providers and authorized crop insurance agents. Available plans, coverage levels, practices, unit structures and deadlines vary by crop and location, so producers should review options before the applicable sales closing date.
Yield or production coverage
Eligible plans may protect against a covered reduction in production compared with the applicable production guarantee.
Revenue-based coverage
Certain plans may protect eligible revenue using approved yields or revenue history, coverage elections and applicable projected or harvest prices.
Actual Production History
Qualifying production records may be used under applicable rules to establish an approved yield for eligible crop insurance plans.
County-based protection
Certain area plans use county-level yield or revenue results rather than measuring only the individual producer's loss.
Whole-Farm Revenue Protection
Eligible diversified farms may be able to insure revenue across multiple commodities under one whole-farm policy, subject to program rules.
Crop-hail and supplemental options
Private crop-hail or supplemental products may be available for specific perils or gaps not addressed the same way by a federal crop policy.
See which parts of your agricultural operation need review
Select everything that applies to your farm. The tool will identify common insurance categories worth discussing with an agent. It is for general education and is not a quote, eligibility determination or statement of coverage.
Build your farm exposure profile
Check every item that applies to your operation.
What does your farm own, produce or operate?
Coverage categories to review
Ready to review the property, equipment and liability across your farm?
Start Your QuoteFarm, crop, auto and workers compensation policies protect different losses
Agricultural operations often require several policies working together. A farm package may be the foundation, but it does not automatically replace crop insurance, commercial auto, workers compensation or specialized livestock coverage.
| Loss scenario | Farm package | Crop insurance | Other coverage to review |
|---|---|---|---|
| A covered fire damages a barn | Common farm-property exposure | Not designed for the building | Property valuation and debris removal |
| Drought reduces an eligible crop yield | Farm property normally does not insure yield | May be addressed by an eligible crop plan | Policy terms and crop provisions |
| A tractor is damaged in a covered collision or rollover | May require scheduled mobile equipment coverage | Not a crop loss | Farm machinery coverage |
| A visitor is injured during a farm event | May require agritainment or event coverage | Not designed for liability | Farm liability and umbrella |
| A farm employee is injured while working | Farm liability is not a substitute for work comp | Not designed for employee injury | Workers compensation and employers liability |
| A truck hauling farm products causes an accident | Depends on vehicle type and use | Not designed for vehicle liability | Personal or commercial auto |
| A severe hailstorm damages an eligible growing crop | Farm property generally does not insure the growing crop | Federal or private crop-hail options may apply | Crop-specific policy review |
This comparison is a general illustration only. Coverage depends on the applicable policy language, crop provisions, endorsements, exclusions, causes of loss and facts of the claim.
Farm activities that may need more than a basic package
Modern farms often generate income in several ways. Direct sales, custom work, livestock, public events and off-premises operations can change the policy needed.
Custom farming
Performing planting, harvesting, spraying, mowing or other work for neighboring farms may require additional property and liability protection.
Farmers markets and direct sales
Selling food, produce, meat or other products directly to consumers can create products liability and off-premises exposure.
Agritainment and farm visitors
Pumpkin patches, hayrides, weddings, tours, petting areas, hunting access and seasonal events can significantly change farm liability.
Livestock operations
Cattle, poultry, horses, goats and other livestock may require careful review of mortality, escape, transit and animal-related liability exposures.
Boarding and care of animals
Boarding, training, breeding or caring for animals owned by others can create care, custody and control exposures not covered automatically.
Chemicals and pollution
Fertilizer, fuel, pesticides, manure storage and chemical application may create pollution exposures subject to important policy exclusions.
Irrigation and specialized equipment
Pumps, irrigation systems, precision agriculture equipment and specialized machinery should be valued and scheduled correctly.
Leased or rented farmland
Leases can shift responsibility for buildings, fencing, liability, improvements and crop production between owners and tenants.
Vacant or transitioning farms
A former working farm, hobby farm or property transitioning between uses may not fit a standard homeowners or active-farm policy.
Report potential crop losses before changing the damaged acreage
Crop policies contain specific notice, inspection, recordkeeping and production-reporting requirements. Acting before the insurer can inspect a loss may affect the claim.
Report the damage promptly
Contact the appropriate crop insurance agent or company as soon as a potential covered loss becomes known.
Preserve the crop
Do not destroy, replant, harvest or abandon affected acreage without understanding applicable inspection and consent requirements.
Maintain records
Keep acreage, planting, production, harvest, sales and expense records required by the applicable policy or program.
Follow the adjuster's instructions
Allow the loss adjuster to inspect the crop and determine production to count or other claim measurements.
Some noninsurable crops may qualify for USDA NAP assistance
The USDA Farm Service Agency administers the Noninsured Crop Disaster Assistance Program, commonly called NAP. The program may provide financial assistance to eligible producers of crops for which federal crop insurance is not available when qualifying natural disasters cause low yields, inventory losses or prevented planting.
NAP is a government program rather than a substitute farm-property policy. Crop eligibility, producer eligibility, coverage elections, service fees, deadlines and reporting requirements should be confirmed directly with the applicable Farm Service Agency office.
An agricultural operation cannot be insured like an ordinary home
Farms combine personal property, commercial property, liability, vehicles, employees, machinery and production risk. We help identify which exposures belong in the farm package and which require separate or specialized coverage.
- Whole-operation review We look at the dwelling, structures, machinery, livestock, vehicles, workers and farm activities together.
- Property valuation review We help review barns, machinery, equipment and improvements so coverage is not built on outdated values.
- Independent carrier access We compare available farm and commercial markets rather than forcing every agricultural operation into one carrier's form.
What we bring to the table
Farm insurance throughout Northwest Arkansas
Cribb Insurance Group works with farm owners, agricultural businesses, rural property owners and producers throughout Northwest Arkansas and surrounding communities.
Farm and crop insurance FAQs
What does farm insurance cover?
Farm insurance can combine protection for a farm residence, household property, barns, outbuildings, machinery, equipment, supplies, farm liability and other agricultural exposures. Coverage for livestock, farm products, mobile equipment, pollution, custom farming and business interruption may require specific endorsements or separate policies.
Is farm insurance the same as crop insurance?
No. A farm package generally protects buildings, property, machinery and liability exposures. Crop insurance is designed to protect eligible agricultural production or revenue from covered causes of loss. An agricultural operation may need both.
What is federal crop insurance?
Federal crop insurance is delivered through a public-private partnership involving the USDA Risk Management Agency, approved insurance providers and authorized crop insurance agents. Available policies, crops, practices and deadlines vary by location and crop.
What is Actual Production History in crop insurance?
Actual Production History, commonly called APH, uses qualifying production records and applicable crop insurance rules to help establish an approved yield. The approved yield may then be used in determining a production guarantee under eligible crop insurance plans.
Does farm insurance cover livestock?
Some farm policies can include scheduled or blanket livestock coverage for specified causes of loss. Mortality, disease, market-price changes, transit, livestock confinement and high-value animals may require specialized coverage. The policy should be matched to the type and value of livestock involved.
Does farm insurance cover tractors and equipment?
Farm machinery and equipment can often be scheduled individually or insured under a blanket limit. Valuation method, deductibles, causes of loss, newly acquired equipment, borrowed machinery and breakdown exposure should all be reviewed.
What happens if crop insurance is not available for my crop?
Producers of certain noninsurable crops may be eligible for the USDA Farm Service Agency's Noninsured Crop Disaster Assistance Program, commonly called NAP. Eligibility, deadlines, covered crops and program requirements must be confirmed with the Farm Service Agency.
When should crop damage be reported?
Potential crop damage should be reported promptly according to the applicable policy and crop provisions. Producers should not destroy, replant, harvest or dispose of damaged acreage without first understanding the insurer's inspection and consent requirements.
Will a homeowners policy cover a small hobby farm?
It depends on the activities, property and income involved. A homeowners policy may restrict or exclude business farming, farm structures, large equipment, livestock, products sold to the public and liability arising from agricultural activities. Even a smaller operation should be reviewed before assuming it fits a homeowners form.
Protect more than the farmhouse
Tell us what you grow, raise, own and operate. We will help review the dwelling, barns, machinery, liability and specialized agricultural exposures that keep your farm running.
Cribb Insurance Group Inc. is an independent insurance agency located at 1601 SW Regional Airport Blvd, Bentonville, AR 72713. Coverage descriptions on this page are general summaries for informational purposes only and are not an offer, eligibility determination, statement of coverage or binding contract. Farm, ranch, livestock and crop insurance options vary by carrier, approved insurance provider, crop, county, practice, acreage, operation and underwriting requirements. Coverage for livestock, mortality, disease, pollution, farm products, custom farming, machinery breakdown, agritainment, boarding, care of animals owned by others, employees, commercial vehicles, crops, revenue losses and business interruption is not automatic and must be confirmed in the applicable policy. Federal crop insurance plans are governed by applicable USDA Risk Management Agency rules, actuarial documents, policy provisions and deadlines. The Noninsured Crop Disaster Assistance Program is administered by the USDA Farm Service Agency and is subject to separate eligibility and program requirements. The interactive farm exposure matcher is an educational illustration only and does not determine eligibility, coverage or appropriate insurance limits. Please speak with a licensed insurance agent and applicable agricultural program representatives regarding your operation. Carrier availability referenced as “40+ carriers” reflects the agency's overall market access across personal and commercial lines.