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.

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.

Start your Farm Insurance Quote

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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