Farm Insurance

Every farm and ranch is unique. But whether you have a sprawling ranch or a mini hobby farm, you need to know it’s protected by the right mix of insurance.

Red Barn - Farm Insurance

A Kernan Insurance, we have the resources and expertise to offer coverage options that are right for you.

Agriculture insurance typically includes a range of products. We’ll give you an overview of the basics.

Property Coverage

Your farm or ranch property insurance covers your buildings used in your operations as well as your personal property such as a family home. Your policy can also cover other other kinds of exposures such as loss of income.

Your machinery is no doubt a precious asset that keeps your operation up and running. If you experience loss or damage you need your machinery repaired or replaced in a timely manner.

How much will it cost? You can buy replacement cost coverage. In the event of a fire, collision, or other types of loss, your insurance will pay help repair or replace it. Depending on the age of your equipment, you may be eligible for new machinery in the event of a loss.

Property coverage for your farm or range includes a wide range of equipment. Tractors, combines, sprayers, pickers, loaders, bales, bulldozers, backhoes, and so on.

Your buildings are also included, such as your home, barn, machine shop, and more.

Operation Interruption

What happens if your operation faces as significant disruption of income? You can purchase coverage that gives you an extra layer of protection for buildings that generate income.

If for example, your barn is damaged, you need repairs and compensation to cover lost income.

This kind of coverage fills in the gaps while you get your operation back up and running.

Equipment Breakdown

You can cover your machinery in the event of a mechanical breakdown as well as a collision, fire, or other types of loss. This kind of additional coverage can help you avoid unexpected, costly repairs and protect your investment from losses.

Liability Coverage

Liability coverage protects your operation in the event of a lawsuit. While the risk of a lawsuit is unpredictable, you can buy insurance to cover these claims.

You can choose amounts for claims such as bodily injury or accidental property damage, for example.

We also offer coverage for agritainment operations. In case you, for example, you want to offer hayrides, fruit picking, hunting, and so forth to the public.

Special coverages can also be added for equine operations if for example, you’re offering horseback riding lessons.

You can also purchase employer liability if you employ people, whether they’re full-time, part-time, or seasonal help. Workers compensation is another important employee-related coverage you will need if you have people working for you.

Other Coverages

You can get farm vehicle insurance for all over your trucks, trailers, tractors and more, which may also include roadside assistance.

We also offer crop and livestock insurance.

Crop insurance coverages weather-related damages due to flooding, droughts, hail, or natural disasters. Livestock insurance covers risks associated with your herd.

Which Policy Mix is Right for You?

Our customizable coverage can protect you from bodily injury claims or accidental property damage claims that occur as a result of your farm or ranch operation.

These are just a few examples of the kinds of agriculture insurance we offer.

If you request a quote from us, we’ll conduct a thorough analysis of or your operation. We’ll assess the values of the property as well as the buildings, machinery, and livestock.

You can select from coverage options tailored to your needs. You’ll know you’re not leaving risky gaps in your coverage while at the same time, you’re not paying for coverage you don’t need.

In addition to standard coverage areas listed above, we can offer a wide range of custom coverage. Your buildings, property, machinery, employees, crops, and livestock can all be protected under your policy.

We Can Help

If you’re looking for the right insurance for your farm or ranch, we’d love to help. Call or contact Kernan Insurance today for your free quote.

Kernan Insurance Agency

9932 Brewster Lane

Powell, OH 43065

Main office: 614-764-0121
Toll free: 800-718-2663
Fax: 614-764-0310

Office Hours:

Monday - Friday: 7:00 AM - 5:00 PM

Weekends: By Appointment