Wisconsin Farm Insurance

Number One Farm Insurer in Wisconsin

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Explore our Agriculture Insurance Coverages

We know your farm is more than your business, it’s your way of life. We offer a broad range of coverage options to prevent putting that way of life at risk.

Hail Coverage for Crops
We know that the livelihood of farmers can depend on the weather. And in Wisconsin, it’s hard to tell what the season will bring.

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Dairy Revenue Protection
Dairy RP is a product designed to protect the revenue of milk production on a dairy operation.

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Workers’ Compensation for Farmers
In the event of an unforeseen accident there’s a lot at stake for everyone involved. Who is going to pay for the medical bills if a worker is injured on the job?

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Commercial Agribusiness Insurance
With contract or custom farming or agri-tainment, there are many moving parts to make sure your business and your partners are successful. Let us help!

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hemp insurance for business, growers, processors

Hemp Insurance
We expanded our agribusiness practice to serve Wisconsin Industrial Hemp operations, including growers, distributors and retailers.

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Crop & Livestock Insurance
Multi-peril crop insurance (MPCI), Livestock Risk Protection and Livestock Gross Margin policies are risk management tools to protect your production.

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Additional Farm Insurance Coverage

Wisconsin Agri-Business Endorsement

We know that insurance coverage is not a “one-size-fits-all” plan. At Rural Mutual Insurance Company, our promise is to tailor our plans to meet your specific needs. Available coverages for Agri-Business Endorsement include… Learn more >

Business Auto Insurance

Whether you’re a company of one or have a dozen employees, chances are you use some type of vehicle in the course of your work. Learn more >

Agricultural Pollution Liability

Starting Feb 1st, 2019, all farm policies will include limited Agricultural Pollution Liability. Liability coverage is provided for pollution cleanup costs, bodily injury and property damage arising out of a pollution incident. Higher limits are available subject to underwriting.

Equipment Breakdown

From hobby to commercial and agricultural, all farms are compromised when equipment breaks down or there is a system failure. Equipment breakdown insurance provides peace of mind for today’s technologically advanced farmowners with custom coverage. Learn more >

Farm and Personal Property Coverages

Add dwelling coverage, protect your personal property and ensure your farm building/structures are properly insured. Additional protection is available:

Private Power and Light Poles
Silo Bags in the Open
Farm Machinery Replacement Cost
Automatic Coverage for New Construction
Loss of Use and Extra Expense
Outdoor signs
Farm Operations Records
Rental Cost for Heavy Machinery

Other coverages available:

Ingestion Coverage
Cyber Coverage and Identity Protection
Employer Liability and Medical Payments
Peak Season
Accounts Receivable
Employee Dishonesty
Incidental Business Pursuits
Livestock Suffocation or Freezing
Milk Spoilage and Milk Contamination

*This page is intended to highlight the features and benefits of our Farm Insurance. For a detailed description of exact coverages, limitations and exclusions, please refer to the policy.

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Rural Mutual’s Focus on Wisconsin Farm Insurance

Rural Mutual Agent, Pat Truttmann talks with Dairyland Farms about their exceptional claims experience with Rural Mutual.

5% Farm Dividend Declared for 2020

Estimated $2.5 million to be paid out in 2020

For the fifth year in a row since Rural Mutual established the first-of-its-kind Farm Dividend Program, the Board of Directors declared a 5% dividend on all eligible farm policies to be paid in 2020. See how you can qualify!

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Farming insurance from leaders in the field

Rural Mutual is the #1 writer of farms in Wisconsin for a good reason…

Founded by farmers, for farmers, we understand in our bones your unique needs, whatever size your operation. Even better, our knowledge is specific to Wisconsin, which is the only market we serve. The premiums you pay stay here, making Wisconsin strong.

21^st century agriculture continues to grow more complex, more expensive, more risky. Our coverage prevents the challenges that are a regular part of farm life from destroying your operation.

Our farm coverage options include your home and personal items, farm buildings, vehicles, farm personal property and workers’ compensation for your employees. And we offer a broad range of non-farm coverage. Our multi-policy discount makes insuring all your risks with Rural Mutual the right choice.

“The right insurance can make the difference between getting back on your feet and losing it all.”
– Jeremie P.

Farm Safety Resources & Articles

Farming traditions run deep in the state of Wisconsin and farm safety is a priority for farmers. Rural Mutual has been protecting farms across the state for over 80 years. Learn more about our safety initiatives!

Find Safety Information

Farm Insurance Learning Center

Healthy Farm and Agriculture Hygiene Practices
Agriculture hygiene helps to protect livestock and crops from pests and disease, including insects, parasites, pathogens, and weeds. Therefore, agriculture hygiene aims to minimize…
Learn More > Healthy Farm and Agriculture Hygiene Practices
Farm Equipment Maintenance Checklist
Machine malfunctions can be costly, so having a process in place to avoid extraneous expenses as much as possible is…
Learn More > Farm Equipment Maintenance Checklist
Rural Mental Health Awareness– Wisconsin Resources for Mental Health
“The Farming community has always been – lace up your bootstraps and go do it again.” But what happens when…
Learn More > Rural Mental Health Awareness– Wisconsin Resources for Mental Health
5 Important Farm Shop Safety Tips
Working on a farm is, without a doubt, a challenging and laborious job. It involves both physical and mental strength, consumes long hours and requires plenty…
Learn More > 5 Important Farm Shop Safety Tips
New Farm Employee Safety Training Tips
When starting a new job, orientation is a key part of the onboarding process to learn the ropes of the…
Learn More > New Farm Employee Safety Training Tips
Custom Coverage to Protect Your Farm
From dawn until dusk, farmers work hard to build their business and create a sustainable, quality way of life for…
Learn More > Custom Coverage to Protect Your Farm