TSM Insurance

Agriculture & Farming Insurance

Agriculture and farming are the backbone of California’s economy. Crop farms, ranches, and food production businesses face unique risks, including natural disasters, equipment breakdown, employee injuries, and liability exposures. Protecting your agricultural operations with the right insurance is critical to safeguard your livelihood, employees, and business continuity.

TSM Insurance specializes in Agriculture & Farming Insurance for businesses across Modesto, Redding, and the Central Valley. Our programs are designed to meet the specific needs of crop farms, ranches, and food producers, providing comprehensive coverage that protects your property, employees, and operations.

Insurance for Agriculture & Farming Professionals

Farming and agricultural businesses face exposures unlike most industries. Crops are vulnerable to fire, hail, flood, and drought. Livestock requires protection from disease, accidents, and theft. Food producers encounter risks associated with production, storage, and distribution. Employees and seasonal workers face injury risks, and liability exposures can arise from on-site accidents or product issues.+

TSM Insurance offers tailored insurance solutions that combine general liability, workers’ compensation, commercial property coverage, and other essential protections. Our programs are designed to help agricultural businesses operate confidently, ensuring that employees, property, and assets are protected while maintaining compliance with California regulations.

Who We Cover

TSM Insurance provides insurance for a variety of agricultural businesses:

Crop Farms

Crop farms face risks from natural disasters, equipment failure, and liability exposures. Insurance coverage protects your crops, farm property, and equipment while ensuring continuity after unforeseen events.

Ranches

Ranches face exposures including livestock injuries, property damage, and liability claims from visitors or neighboring properties. TSM Insurance provides protection for livestock, buildings, and operational assets.

Food Producers

Food production businesses face risks related to product liability, property damage, and employee injuries. Our insurance solutions safeguard your operations, equipment, and employees while supporting safe production practices.

Why Choose TSM Insurance for Agriculture & Farming Coverage?

Choosing the right insurance partner is critical for agriculture and farming businesses. TSM Insurance offers decades of experience serving California farms and food producers. Here’s why clients trust us:+

Customized Programs: Insurance designed specifically for crop farms, ranches, and food producers.
Top-Rated Carriers: Access to multiple insurers ensures competitive rates and comprehensive coverage.
Claims Advocacy: Our team guides you through claims processes to ensure fair handling and timely resolution.
Fast Certificates of Insurance (COIs): Quickly provide proof of coverage for vendors, clients, or contracts.
Local Expertise: Offices in Modesto and Redding give us in-depth knowledge of California agricultural risks and regulations.

Coverage Options Available

Agriculture and farming businesses can access the following essential coverages:

General Liability Insurance

Protects against claims of bodily injury or property damage to third parties, such as farm visitors or neighboring properties.

Workers’ Compensation

Required in California for businesses with employees. Covers medical expenses and lost wages if farm workers, ranch staff, or production employees are injured on the job.

Commercial Property Insurance

Covers farm buildings, equipment, crops, livestock facilities, and other assets against fire, theft, vandalism, or natural disasters.

Commercial Auto Insurance

For businesses operating trucks, tractors, or delivery vehicles, this coverage protects against accidents, liability, and physical damage to vehicles.

Benefits of Specialized Agriculture & Farming Insurance

Specialized insurance for agriculture and farming businesses helps manage risks while allowing operations to thrive. Key benefits include:

Protect Assets: Safeguard crops, livestock, buildings, and equipment from damage or loss.
Mitigate Liability: Coverage defends against claims from employees, visitors, or neighbors.
Ensure Continuity: Insurance ensures operations continue even after property damage, accidents, or natural disasters.
Support Employees: Workers’ compensation protects farm and production employees, ensuring safety and compliance.
Build Client and Vendor Confidence: Demonstrates responsible risk management to buyers, partners, and lenders.

Get Started

Get a Quote Today

TSM Insurance makes it easy for agriculture and farming businesses to secure tailored coverage. Whether you operate a crop farm in Modesto, a ranch in Redding, or a food production business anywhere in California, we can design a policy that protects your employees, property, and operations.

Request a free quote today and gain peace of mind knowing your agricultural business is fully protected.

FAQs

Frequently Asked Questions

TSM Insurance FAQs provide helpful answers to common questions about our insurance policies, coverage options, claims process, and policy management, ensuring customers have clear and quick access to essential information.

Is insurance required for agriculture businesses in California?

Workers’ compensation is required for employees. Other coverages, like general liability and property insurance, are highly recommended.

Does general liability cover farm visitors?

Yes, it covers bodily injury or property damage to third parties visiting your farm or ranch.

Do crop farms need property insurance?

Yes, it protects buildings, equipment, and crops from fire, theft, vandalism, and natural disasters.

Does workers’ compensation cover seasonal farm workers?

Yes, any employee performing work duties is protected under California law.

Do ranches need insurance for livestock?

Coverage protects livestock from accidents, theft, or other covered incidents.

Does commercial auto insurance cover farm trucks and tractors?

Yes, vehicles used for farm operations or delivery are protected against accidents and liability.

Can TSM Insurance provide proof of coverage quickly?

Yes, Certificates of Insurance (COIs) are available for clients, vendors, or lenders.

Why choose TSM Insurance for agriculture businesses?

Local expertise, top-rated carriers, fast COIs, and claims support make TSM a trusted partner.

Does property insurance cover food production equipment?

Yes, machinery, storage facilities, and production equipment are included in coverage.

Can insurance help protect a farm’s financial stability?

Yes, proper coverage ensures continuity after unexpected events, protecting revenue, assets, and employees.

Happy Customers

What Our Clients Say

TSM Insurance made protecting my rental properties stress-free. I know my tenants and assets are covered.

Amanda H., Modesto, CA

When a tenant caused accidental damage, TSM guided me through the claim fast. Everything was handled smoothly.

Brian F., Redding, CA

Managing multiple properties is stressful enough. TSM helped me find coverage that fits perfectly without overpaying.

Stephanie K., Stockton, CA