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
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 coverages
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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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!
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 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 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 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!
Learn from the Farm Experts
What is Builder’s Risk Insurance?
When a building is under new construction or renovation, make sure it is covered with builder's risk insurance. Learn from our experts why it's important.
Hope for Wisconsin Farm Families
Harvest of Hope Fund helps Wisconsin farms stay together and overcome obstacles by giving advice, connects, grants and more. Learn more!
How does an Escrow Account Pay Homeowner’s Insurance?
You’re in the market for buying a home and hear about an escrow account. What does escrow mean and how does it work? Learn from our insurance experts.
Four Common Oversights By Small Businesses
Owning your own business, being your own boss – it’s the American dream. Here are four common oversights by small businesses to take into consideration.
Let’s Celebrate Wisconsin Dairy Month!
In 1937, National June Dairy Month began as a way to promote milk consumption. Although few could have predicted the many ways in which dairy would evolve.
What you can do to help the state of dairy in Wisconsin, farmers and consumers!
There are a few ways we’ve seen passionate Wisconsin farmers and supporters rise above today’s challenges and spread awareness…