Commercial Farm Coverage for Pennsylvania Operations
Farm & Agribusiness Insurance
Protection for your home, barns, equipment, livestock, and liability—built for working farms and agribusinesses across Lancaster, New Holland, York, Harrisburg, and beyond.
Commercial farm coverage combines elements of personal, property, and business insurance into one coordinated program designed for working farms and agribusiness operations. From the farmhouse and outbuildings to equipment, livestock, and farm liability, a single storm or accident can quickly become a major financial setback without the right protection. Community Insurance works with farm families and agribusinesses throughout Lancaster County and across Pennsylvania to tailor farm insurance around how you actually operate. We’ll help you understand your options, choose sensible limits, and coordinate your farm policy with any personal and commercial coverages you already carry.
Farm Dwellings & Personal Property
Many farm policies can cover your primary residence on the farm, plus household belongings, similar to a homeowners policy—but with important farm-specific considerations. We’ll help you understand how your home and personal property fit into your overall farm package so you don’t end up with gaps between policies.
Barns, Outbuildings & Structures
Barns, machine sheds, milking parlors, poultry houses, commodity sheds, and other outbuildings represent a significant investment. Commercial farm insurance can help protect these structures against covered losses such as fire, wind, hail, and other specified perils so damage to a key building doesn’t halt your operation.
Equipment, Machinery & Tools
Tractors, combines, skid loaders, balers, and other pieces of equipment are essential to your work. Farm policies can be structured to cover scheduled and unscheduled equipment, as well as smaller tools and implements. We’ll help you decide how to list and value major items so they’re properly protected if they’re damaged, stolen, or involved in a covered accident.
Livestock & Poultry
Cattle, poultry, swine, and other livestock can often be insured on a blanket or scheduled basis, depending on how your operation is set up. Coverage can help when animals are lost due to specific causes such as fire, certain accidents, or other covered events. We’ll review how you house, move, and manage livestock so your policy reflects real exposure.
Farm Liability Coverage
Farm liability insurance helps protect you if your farming operations cause bodily injury or property damage to others—for example, if someone is injured on the property, or your activities cause damage to a neighbor’s property. It can also help with legal defense and settlements up to your policy limits. This is a core component of any commercial farm coverage plan.
Farm Auto, Trucks & Trailers
Farm use pickups, grain trucks, service vehicles, and certain trailers may be eligible for farm auto coverage. We’ll talk through how each vehicle is used, who drives it, and where it operates to determine whether it should be on a farm auto, commercial auto, or personal auto policy—or a combination.
Optional Farm Endorsements & Add-Ons
Depending on your operation, you may want to consider endorsements such as equipment breakdown, peak season coverage, additional perils for livestock, or limited pollution and custom farming liability. We’ll help you decide which options are worthwhile for your operation instead of paying for extras you don’t need.
Who Typically Needs Farm & Agribusiness Insurance
Commercial farm coverage is designed for operations where farming is more than a hobby—it’s a business, a livelihood, and often a multi-generation legacy. If damage to your buildings, equipment, or livestock would significantly impact your income, or if you host workers, custom operators, or visitors on the property, a structured farm insurance program is essential.
Common Operations That Rely on Farm Insurance:
- Dairy farms and livestock operations
- Crop farms and custom farming operations
- Poultry, swine, and other confinement facilities
- Produce farms, orchards, and roadside stands
- Horse farms, boarding barns, and hobby farms with significant exposure
- Mixed operations with both row crops and livestock
- Agribusinesses that store, process, or transport agricultural products
Not every rural property needs the same type of policy—some small or part-time operations may be better served by enhanced homeowners or small business coverage. When that’s the case, we’ll explain the differences, walk through your options, and outline a clear path forward so you’re not left guessing.
Our Process for Designing Commercial Farm Coverage
Instead of plugging your operation into a generic farm package, we take time to understand how your farm or agribusiness actually runs. Then we design a farm insurance program that reflects your mix of dwellings, buildings, equipment, livestock, and liability exposures—coordinating it with your personal and business policies to reduce gaps.
Learn Your Operation
We start with a conversation about your acreage, crops or livestock, buildings, equipment, employees, and any custom work you perform.
Evaluate Risks & Values
We help estimate replacement costs for buildings and equipment, discuss how livestock is housed and managed, and identify where a fire, storm, or liability claim could hurt you most.
Quote Multiple Farm Carriers
As an independent agency, we compare farm insurance options from several companies with strong programs for farms and agribusinesses in Pennsylvania.
Review & Adjust
We walk through each quote in plain language, talk about coverage limits, deductibles, and endorsements, and make adjustments so key assets and activities aren’t overlooked.
Implement & Support
Once coverage is in place, we assist with certificates for custom work, lender requirements, policy changes, and annual reviews as your operation grows, diversifies, or transitions to the next generation.
How Farm Insurance Connects to Your Other Coverage
Farm insurance sits at the intersection of personal, commercial, and property coverage. Your farmhouse might look like a typical residence, but your barns, equipment, workers, and livestock often require business-style protection. For some clients, a single farm policy can coordinate home, farm property, and farm liability. For others, it makes sense to pair farm coverage with separate business, commercial auto, or umbrella policies. We’ll help you understand how your farm insurance fits into your overall protection plan, and when it may be time to adjust your structure as your operation changes.
Farm & Agribusiness Insurance - Commonly Asked Questions
Frequently Asked Questions
What’s the difference between farm insurance and homeowners insurance?
Homeowners insurance is designed for typical residential risks, not for barns, livestock, or business-level equipment and liability. Farm insurance can combine coverage for your dwelling with protection for farm buildings, machinery, livestock, and farming operations. If you’re running anything beyond a small hobby garden, relying solely on a homeowners policy can leave serious gaps. We’ll review your situation and help determine which structure makes sense.
Do I need a separate policy for my farmhouse and my farm operation?
It depends. Many farm policies are designed to cover both the farmhouse and the farming operation under one coordinated program. In other situations—especially when there are multiple residences, rental properties, or off-farm businesses involved—it may make sense to separate certain exposures. We’ll look at how your property is titled and used, then recommend the cleanest way to organize coverage.
How are livestock and equipment values handled on a farm policy?
Livestock and equipment can often be insured on a blanket basis, scheduled individually, or a combination of both. The right approach depends on your operation size, turnover, and how concentrated your exposure is. We’ll talk through your herd or flock, your major pieces of machinery, and any seasonal changes so limits and valuation methods line up with reality.
Does farm insurance cover people I hire to help on the farm?
Farm liability can respond if someone is injured due to your farming operations, but it may not replace workers’ compensation or other required coverages. If you have employees or regular hired labor, we’ll discuss workers’ comp and any additional policies you may need. That way, you’re not assuming protection that isn’t actually in place.
How often should I review my farm insurance?
Farms and agribusiness operations change frequently—new equipment, building updates, shifts in herd size, or changes in crops and custom work. We recommend reviewing your farm insurance at least once a year, and any time you make a major change or purchase. Our team is available for quick check-ins or more in-depth reviews to help keep your coverage aligned with your current operation.
Ready to Protect the Farm You Work So Hard To Run?
If your livelihood depends on your land, buildings, equipment, and livestock, farm insurance shouldn’t be an afterthought. Community Insurance is here to help farm families and agribusinesses in Lancaster, New Holland, York, Harrisburg, and across Pennsylvania understand their risks, build practical coverage, and adjust as their operations grow and change.