Commercial Insurance

Farm and ranch coverage built for working operations.

Agricultural businesses along the Gallatin River corridor face a different mix of risk than a typical commercial operation. We build farm and ranch coverage around equipment, structures, liability, and livestock exposures specific to your operation.

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The Basics

Coverage built around the working operation, not a template.

Farm and ranch businesses combine property, liability, and equipment exposures that don’t fit neatly into a standard commercial policy. We package coverage around barns, outbuildings, machinery, and the day-to-day operation of the property.

This is separate from a homeowners farm endorsement — it’s built for the business side of an agricultural operation, including hired labor, custom work, and equipment used off the property.

Barns, outbuildings, and farm structures covered on one policy
Farm equipment and machinery, including off-premises use
Liability coverage for hired help, custom work, and visitors
Coverage tailored to the Gallatin River corridor’s mix of ranching and ag-adjacent business

Good Fit For

• Working farms and ranches
• Livestock operations
• Hay, grain, and row-crop operations
• Custom farming and equipment-for-hire businesses

What’s Included

Coverage lines built for farm and ranch operations

Farm Structures

Barns, outbuildings, shops, and grain storage covered alongside the primary residence.

Farm Equipment

Tractors, implements, and machinery, including coverage for equipment used off the property.

General Liability

Protection against third-party injury or property damage claims tied to the operation.

Livestock Coverage

Coverage options for cattle, horses, and other livestock tied to the operation.

Hired Labor Coverage

Liability protection for seasonal and hired help working the operation.

Custom Farming & Equipment-for-Hire

Coverage for operations that do custom work or rent out equipment to other producers.

Common Questions

Farm & Ranch insurance FAQs

Is this different from the farm and ranch coverage on my homeowners policy?

Yes. This is a business-side policy built around the operation itself — equipment, structures, liability, and hired labor — rather than a farm endorsement added to a personal homeowners policy.

Do you write coverage for livestock operations?

Yes, we can include livestock coverage options as part of a farm and ranch policy depending on the operation.

Can this cover equipment I use off my own property?

Yes. Farm equipment coverage can extend to machinery used off-premises, including custom farming or equipment-for-hire work.

Let’s talk about your farm and ranch coverage.

Belgrade-based advisors who know Montana business risk, ready to help.

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