Farming insurance from leaders in the field
Rural Mutual is the #1 writer of farm insurance in Wisconsin for a good reason...
Founded by farmers, for farmers, we understand in our bones your unique needs, whatever size your farm 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.
21st 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 farm 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.
Explore our Agriculture and Farm 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.
Custom Farm Insurance Plans
No two farms are the same. That’s why we offer customized plans to meet the needs of Wisconsin farmers rather than off-the-shelf policies.
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Crop Hail and Hemp
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. We are here to help protect what you work so hard for each and every harvest season.
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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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5% Farm Dividend Declared for 2019
Estimated $2.6 million to be paid out in 2019
For the third 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 2019. See how you can quailify!
Additional farm insurance coverages
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.
Farmowners 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
- Farm Machinery Replacement Cost
- 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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Farm Safety Resources and 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!
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