FARM INSURANCE — OHIO
Farm insurance in Ohio.
Protect the land, the livestock,
and everything you've built.
Ohio farmers face insurance exposure that standard homeowner's and commercial policies simply aren't designed for. Farm owners policies, equipment coverage, livestock, and agritourism liability all require specialty coverage. Myers Insurance Group has been insuring Ohio agricultural operations since 2008.
A farm is a home, a business, and an operation — all at once.
Farm insurance is a specialty product for a reason. A working farm combines residential property, commercial operations, specialized equipment, livestock, and significant liability exposure — all on the same property. Standard homeowner's policies cover the home but exclude farm operations. Standard commercial policies cover business operations but don't address the residential component or the specialized nature of agricultural risk.
A farm owners policy is the specialty product designed to cover Ohio farms comprehensively — combining dwelling coverage, farm structures, equipment, livestock, and farm liability into one integrated policy that addresses the full scope of agricultural risk.
Ohio's agricultural diversity also creates specific coverage needs — grain farms face different risks than dairy operations, and agritourism farms that welcome the public face liability exposure that standard farm policies may not address. Myers Insurance Group builds farm programs tailored to your specific operation.
What most Ohio farmers are missing
Homeowner's policy on a working farm. The most common mistake — a standard homeowner's policy excludes farm operations, livestock, and farm equipment. One barn fire or equipment loss reveals the gap immediately.
No equipment breakdown coverage. A tractor breakdown during planting or harvest season can cost far more in lost productivity than the repair itself. Equipment breakdown coverage addresses this exposure.
Agritourism liability gap. If you host pumpkin patches, corn mazes, farm stays, or any public event on your farm, you need agritourism liability coverage. Standard farm policies may not cover public visitor activities.
Underinsured farm structures. Barns, grain bins, equipment storage, and outbuildings are often insured at values well below replacement cost — leaving significant gaps when a covered loss occurs.
Every kind of Ohio farm operation.
Crop Farms
- Grain farms
- Corn & soybean operations
- Vegetable farms
- Fruit orchards
Livestock Operations
- Cattle operations
- Dairy farms
- Hog operations
- Poultry farms
Specialty Operations
- Horse farms & stables
- Agritourism operations
- Hobby farms
- CSA & direct market farms
Farm coverage in Ohio.
A complete Ohio farm insurance program covers your home, your structures, your equipment, your livestock, and your operations.
Farm Owners Policy
The foundation of Ohio farm coverage — combines dwelling, farm structures, personal property, farm equipment, livestock, and farm liability into one integrated policy built for agricultural operations.
Farm Structures
Covers barns, grain bins, equipment sheds, silos, fencing, and outbuildings at replacement cost. Farm structures are commonly underinsured — we ensure your coverage reflects actual replacement values.
Farm Equipment
Covers tractors, combines, planters, tillage equipment, and specialized machinery against fire, theft, accident, and covered perils. Equipment breakdown coverage available for mechanical failure.
Livestock Coverage
Covers cattle, hogs, horses, poultry, and other livestock against death from fire, lightning, windstorm, and covered perils. Scheduled livestock coverage for high-value individual animals.
Crop Insurance
Federal crop insurance through USDA RMA programs — yield protection, revenue protection, and whole farm revenue protection for Ohio grain and specialty crop producers.
Farm Liability
Covers third-party injury and property damage arising from farm operations. Visitors, neighbors, employees, and the public can all generate liability claims against your farm operation.
Agritourism Liability
Covers public visitor activities — pumpkin patches, corn mazes, farm stays, u-pick operations, and farm events. Standard farm liability policies may exclude public visitor activities.
Farm Auto
Covers farm trucks, utility vehicles, and equipment operated on public roads. Standard personal and commercial auto policies don't adequately cover farm vehicle operations.
Farm Workers Compensation
Agricultural workers face significant injury risk. Ohio farm employers with employees should carry workers compensation — farm labor injuries are among the most costly in any industry.
Farm insurance in Ohio — what you need to know.
Can't I just use my homeowner's policy for my farm?
No. Standard homeowner's policies exclude farm operations, farm equipment, and livestock. If you have a working farm with crops, equipment, livestock, or structures beyond a basic residence, your homeowner's policy has significant gaps. A barn fire, equipment theft, or livestock loss on a homeowner's policy will result in a denied claim for the farm-related losses. A farm owners policy is the right product for any Ohio property that functions as an active farming operation.
We host a pumpkin patch every fall — do we need special coverage?
Yes. Agritourism operations that welcome the public — pumpkin patches, corn mazes, u-pick orchards, farm stays, hayrides, and farm events — create premises liability exposure for public visitors that standard farm liability policies may not cover. Agritourism liability coverage specifically addresses this exposure. Ohio has agritourism liability protection statutes that provide some protection for farm owners, but they don't replace insurance — and they don't cover all visitor injury scenarios.
What is federal crop insurance and do I need it?
Federal crop insurance is administered through the USDA Risk Management Agency and sold through licensed agents. It covers yield and revenue losses from weather events, disease, pests, and other covered perils. For Ohio grain producers, crop insurance is one of the most important risk management tools available. Coverage options include Yield Protection, Revenue Protection, and Whole Farm Revenue Protection — each designed for different farm sizes and risk profiles. We help Ohio farmers navigate the federal crop insurance program and select the coverage that fits their operation.
My tractor broke down during planting season — is that covered?
Standard farm equipment coverage covers physical damage from fire, theft, and accidents — but not mechanical breakdown. Equipment breakdown coverage is a separate endorsement that covers repair and replacement costs when your equipment fails due to mechanical or electrical breakdown. For Ohio farmers whose entire planting or harvest season depends on functional equipment, a tractor breakdown without this coverage means full out-of-pocket repair costs plus the productivity loss during the delay.