Coverage lines

Insurance built line-by-line for dairy farms.

Each policy below addresses a specific exposure in dairy farming — from the livestock mortality a standard farm policy undervalues to the bulk-tank and spoilage coverage your property program needs to handle correctly.

Essential coverage

Dairy Cattle & Livestock Mortality

The coverage that defines a dairy's risk. Insures your milking cows, heifers, calves, and registered breeding stock against death from accident, disease, theft, and disaster — including named peril and full-mortality options on high-value animals.

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Farm Property & Buildings

All-risk coverage for the dairy complex — freestall barns, milking parlors and holding areas, commodity sheds, commodity and bunker silos, feed storage, and the contents and inventory inside them. Built for livestock and manure exposures.

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Equipment Breakdown & Milk Spoilage

Covers mechanical or electrical breakdown of the equipment your operation depends on — milking systems, plate coolers, bulk tanks, compressors and chillers — plus the milk and product spoilage that follows when cooling or processing fails.

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Dairy Product Liability

Coverage for bodily injury or property damage arising from contaminated, mislabeled, or defective milk and dairy products after they leave your farm or creamery — including recall costs and defense when a foodborne-illness or adulteration claim is made.

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General Liability Insurance

Third-party bodily injury and property damage protection for farm visitors, farm tours and agri-tourism, deliveries, custom heifer raising, and the day-to-day operations of running a working dairy.

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Workers' Compensation

Coverage for the real injury patterns in dairy work — animal-handling and trampling injuries, milking-parlor slip and crush injuries, equipment and PTO incidents, and chemical and manure-exposure claims. Proper class codes for dairy labor.

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Commercial Auto & Trucking

Coverage for the milk tankers, feed and commodity trucks, pickup trucks, tractors, and equipment you run on public roads — including hired and non-owned auto when employees use their own vehicles on dairy business.

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Pollution & Environmental Liability

Covers the environmental exposure every dairy carries — manure storage and lagoon failure, nutrient and fertilizer runoff, fuel and chemical leaks, and the cleanup and third-party claims that follow a release into soil or water.

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Not sure which lines you need?

Most dairy farms bundle livestock mortality + property + equipment & spoilage + workers' comp + pollution into one coordinated program. We'll build the right mix in one call.

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