Farm and agribusiness insurance, placed across specialty carriers.
Farm liability, workers comp, equipment, commercial auto, pollution, and umbrella for row-crop, livestock, dairy, orchard, and agribusiness operations. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
- 01
Save up to 60% on broker commissions vs traditional ag brokers. We negotiate ours down across carriers actively writing farm and agribusiness, then pass the savings through on identical coverage.
- 02
We know the farm class codes (NCCI 0005/0006/0007/0008) and the difference between farm property, farm liability, and inland-marine equipment. Right limits called out before quote.
- 03
Servicing in minutes through the portal — never wait on a broker callback for a vendor COI, an audit response, or a mid-season endorsement.
Carriers we shop in Agriculture
Coverage
What we quote in Agriculture
Farm Liability
Premises + product + completed-operations coverage tuned to your farm operation, agritourism exposure, and direct-to-consumer sales.
Workers Compensation
Farm-specific class codes (0005, 0006, 0007, 0008), ex-mod factor reviewed, state-mandated coverage where required.
Farm Property
Buildings, silos, barns, machine sheds, and dwellings on the operation. Replacement-cost when underwriting allows.
Inland Marine (Equipment)
Tractors, combines, sprayers, harvesters, and other ag equipment — scheduled or blanket, with new-equipment coverage.
Commercial Auto
Farm trucks, hauling trailers, hired and non-owned auto. Farm-plated and commercially-plated rigs both placed.
Pollution Liability
Chemical, fertilizer, and manure-management exposure. Especially material for custom applicators and CAFO operations.
Commercial Umbrella
Excess limits over farm liability and auto. Sized to your largest liability exposure (typically the highway exposure on commercial auto).
Livestock Mortality
Specialty mortality for breeding stock, dairy herds, and equine. Quoted through ag-specialty markets when needed.
Frequently Asked
Agriculture insurance questions, answered.
What does farm and agriculture insurance typically cost?
Premium depends on acreage, gross farm income, payroll, equipment values, livestock counts, operation type (row-crop, dairy, orchard, beef, agritourism), state, and loss history. A 500-acre row-crop operation in Iowa prices very differently than a 50-cow dairy in Wisconsin or a 5-acre direct-market orchard in California. We build a real exposure profile before submitting, so the first quote is closer to the bound number — actual cost is subject to underwriting and policy terms.
What policies does a farm or agribusiness need?
A typical commercial-ag program includes Farm Liability, Workers Compensation, Farm Property (buildings, dwellings, contents), Inland Marine for equipment, Commercial Auto for farm trucks, Pollution Liability for chemical or manure exposure, and a Commercial Umbrella sized to the largest liability exposure. Specialty operations (CAFO, agritourism, dairy, equine) often need named-peril or specialty endorsements layered on. Coverage is subject to underwriting.
Is crop insurance the same as farm insurance?
No. Crop insurance — MPCI (Multi-Peril Crop Insurance), RP (Revenue Protection), and YP (Yield Protection) — is sold by approved insurance providers under the USDA Risk Management Agency program and covers yield or revenue loss to growing crops. Farm insurance (what we place) is the commercial property, liability, workers comp, and auto program that covers the rest of the operation. The two programs are usually placed separately. We do not currently sell MPCI/RP/YP through Delegance; we focus on the commercial side and refer customers to an RMA-approved provider for crop.
How do farm workers comp class codes affect my premium?
NCCI uses farm-specific class codes (0005 farm – livestock; 0006 farm – field crops; 0007 farm – dairy; 0008 farm – gardening and orchards) with rates that vary dramatically by state. Splitting payroll correctly between the farm class codes and clerical (8810) often moves premium 20-40 percent without changing anything about the operation. Misclassification on the original application is the most common reason ag premium gets re-rated mid-term or audited up at year-end.
Do I need pollution liability for chemicals and fertilizer?
Most general farm liability policies exclude pollution. If you spray, apply, store, or move chemicals, fertilizer, or manure at any scale — especially for custom application on neighbors’ fields or near surface water — pollution liability is generally needed to make the program complete. Carriers offer both occurrence-based and claims-made forms; the right choice depends on your operation. Eligibility and limits are subject to underwriting.
How fast can I get a Certificate of Insurance for a landowner or co-op?
Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.
How does Delegance reduce broker commissions on farm programs?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage analysis, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical agricultural broker. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work
Same conversation across every channel.
Agriculture insurance guides
From the brokers who place the class
Farm and ranch insurance: how the package actually works
How farm insurance actually works: the hybrid farm and ranch package, farm liability, livestock coverage, and where homeowners policies fall short.
Read the guide →Tractor insurance: how farm equipment coverage actually works
Tractor insurance explained: scheduled farm equipment coverage vs road liability, agreed value vs actual cash value, and the gaps acreage owners miss.
Read the guide →