Grain farm insurance

With the right coverage in place, you can focus on growing your crops knowing you are protected against the unexpected.

Farmer harvesting grain with a tractor.

Grain farming is a vital agricultural activity and a significant contributor to the global food supply.

However, grain farming can be challenging. It requires extensive planning, hard work, and knowledge of the ever-changing climate conditions, pest and disease management, market fluctuations, and other variables that impact yields and profitability.

With the right farm insurance policy, you can protect your farm against these risks and secure your livelihood.

Understand how various types of insurance offer unique forms of protection.

Learn how SECURA Insurance can protect your grain farming operations, then find your nearest independent insurance agent to craft a insurance policy designed for you.

Farm Auto

One of the risks your grain farms faces is auto accidents. These accidents can happen at any time, but especially during harvest season when your farm is bustling with activity. Even the most experienced drivers can make mistakes, and unfortunately, accidents can result in property damage, injuries, and even fatalities.

This type of insurance helps protect your farm from financial losses in the event of an accident. For example, when you are driving a truck and trailer with a full load of hay bales you may struggle to maneuver on a bumpy field and accidentally overturn the vehicle. In such cases, Farm Auto insurance can provide financial protection, allowing you to focus on your operations without worrying about the potential financial consequences of accidents.

More about Farm Auto

Farm Liability

Accidents involving people and property on your farm can be a significant liability risk, which can lead to expensive lawsuits and settlements. This type of insurance can help protect you from financial losses that may result from accidents involving people and their property on your farm. For example, a visitor touring your farm property trips and falls on a broken fence. The visitor suffers a broken ankle and incurs both medical bills and lost wages as a result.

Farm Liability insurance can safeguard your farm from the financial risk associated with the visitor’s injury. The policy can cover the cost of the visitor’s medical bills and lost wages, as well as any legal fees or settlements that may result from a lawsuit. Additionally, the policy may also provide coverage for damage to a visitor’s property caused by farm equipment, or other farm-related activities. This could include damage caused by tractors or other machinery.

More about Farm Liability

Farm Property

As a grain farmer, you face a range of property risks that can have a significant impact on your operations. From natural disasters like fires and tornadoes to theft and vandalism, there are many potential hazards to your farm property.

This type of insurance can provide financial support in the event of property damage or loss due to a covered event. For example, if a fire destroys your grain silo, Farm Property insurance may cover the cost of repairs or replacement, allowing you to continue your operations without a significant financial burden. Additionally, Farm Property insurance can often be customized to your specific needs, helping ensure you’re adequately protected against the risks that are most relevant to your farm.

More about Farm Property

Farm Workers’ Compensation

You know better than anyone else the hard work and risks that come with running a farm. One of the risks you face is injuries to your employees while they are working. Grain farms face a higher risk due to the nature of the work involved. Farm Workers’ Compensation coverage helps protect your farm by providing coverage for medical expenses, lost wages, and legal fees if an employee gets injured on the job.

For example, a farm worker is working inside a grain bin to load grain onto a truck. Suddenly, the grain begins to shift, ultimately burying the worker up to their waist. The farmer quickly calls for help, and is rescued, but not before sustaining serious injuries.

These tragic types of events could result in a significant financial burden on your farm, including medical expenses, survivorship costs, and potential legal fees. However, if your farm has a Farm Workers’ Compensation insurance policy, the financial impact can be minimized.

Workers’ Compensation coverage can help cover your injured worker’s medical bills and lost wages, as well as rehabilitation expenses, to help get them get on their feet again. Without this coverage, you may have to pay for these expenses out-of-pocket. It is important to make sure you have adequate Workers’ Compensation coverage in place to protect your farm and your employees.

More about Farm Workers’ Compensation

Foreign Object Ingestion

As a grain farmer, you know the importance of keeping your equipment in top condition. However, even with the best maintenance practices, foreign objects can still find their way to damage your equipment during operation. Rocks and other field debris can cause serious damage to your equipment and put your farm at risk. This type of insurance can help protect your farm by providing financial assistance for repairs or replacement of equipment damaged by foreign objects ingested during operation.

For example, a rock gets ingested in your combine and damages the threshing mechanism, requiring expensive repairs. With Foreign Object Ingestion insurance, you can rest easy knowing you may have coverage for the repairs, minimizing the impact on your bottom line. Overall, investing in this insurance can provide you with financial protection in case of equipment damage caused by objects ingested during operation.

Earnings and Extra Expense

Grain farmers face risks related to the buildings and structures used to store crops. Unexpected events can result in costly repairs, and even the loss of your harvested crops. This type of insurance can provide you with financial protection by covering unexpected expenses that may arise. For example, a windstorm damages your cold storage facility, rendering it inoperable. Farm Earnings and Extra Expense insurance would help to reduce expenses related to finding and renting an alternative storage facility, even expenses to help minimize downtime, like expedited shipping fees for replacement parts or upcharges from repair shops for a quicker turnaround time. This can help you maintain your financial stability while repairing your property.

Equipment Breakdown – including Precision Ag

Farm equipment is essential for your day-to-day operations. However, it’s also susceptible to wear and tear and malfunctions. When your equipment breaks down, it can cause significant disruptions and financial losses for your farm. This coverage can help cover the costs of repairing or replacing your damaged equipment, including the costs of labor, parts, and other expenses. For example, your tractor breaks down during the planting season, and you need to repair it to avoid significant delays. Equipment Breakdown coverage can can help pay for the repairs related to this equipment breakdown loss, so you can get back to work quickly.

Farm Personal Property Replacement Cost – partial loss

Damage to your farm’s personal property is a major risk that is often overlooked. “Farm personal property” refers to any equipment, tools, or other assets that are not considered part of the actual farm real estate. These items can be easily damaged by a variety of events, including storms, fires, and theft, and the costs of replacing them can add up quickly.

This insurance coverage can help cover the full replacement cost, after a deductible, of replacing partially damaged (“partial loss”) covered items. There is no depreciation deduction on partial losses.

For example, your tractor is damaged due to a tree falling during a storm. The Farm Personal Property Replacement Cost coverage may help cover the full cost of repairing or replacing the tractor, preventing any significant financial loss, outside of your deductible. Moreover, the policy’s coverage extends beyond your farm’s physical boundaries, protecting farm personal property from damage or theft while in transit or temporarily stored off-site. Talk to your independent agent about the distance between your farm and the off-site location.


Farm pollution can come in many forms, such as overspray drift, also known as chemical drift. This can lead to a significant, unexpected circumstance for you to resolve.

For example, you use pesticides to control pests and weeds on your crops. Unfortunately, due to weather conditions, the pesticide drifts onto your neighbor’s property, damaging their grapevines. The farmer’s neighbor incurs a significant financial loss due to the damage to their grapes caused by the chemical drift.

Farm Pollution insurance can protect you from the financial risk associated with the damage caused by the overspray drift. The insurance can help cover the financial loss related to the damage caused to the neighbor’s property.

By having this insurance coverage, you can safeguard your farm from the financial risk associated with pollution incidents, allowing you to focus on your farming operation without worrying about the potential costs of pollution damage.

Peak Season

Peak Season coverage is designed to protect farmers against potential losses during specific periods of the farming cycle. The coverage is typically used to insure harvested crops, and other farming assets, during peak planting or harvesting seasons when the risk of loss is higher.

The coverage may vary depending on your specific needs and the types of crops being insured. It can provide protection against grain losses right after harvest, or seeds and chemicals during planting season, for example. It’s an important risk management tool for grain farmers, helping to protect your livelihood and ensure the long-term sustainability of your operation.

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide specialized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within 24 hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your farm. As your farm grows, our independent agent partners can help you understand how your insurance needs may change.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your farming operations, you can ensure you have the right coverage to protect your investment and keep your farm running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA offers farm coverages in eight states, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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