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At Collings Insurance Brokers, we know farming is more than hard work — it’s a way of life.
With large equipment, employees, visitors, and public exposure, farms face liability risks that can quickly exceed the limits of a standard policy. Farm Owner’s Umbrella Insurance provides an extra layer of protection, stepping in when lawsuits or claims go beyond your underlying coverage. It’s peace of mind that ensures your livelihood is protected, no matter how big the challenge.
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How Farmowner’s Umbrella insurance can protect you.
If a claim exceeds your primary policy limits, Farmowner’s Umbrella Insurance extends your protection by providing additional liability coverage when you need it most.
By increasing your excess liability limits, you can safeguard your farm against the financial toll of unexpected events. This added protection ensures that a single accident or lawsuit won’t jeopardize the stability of your operation or your way of life.
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Coverage for what’s important to you
Farmowner’s Umbrella Insurance provides higher liability limits that apply once your underlying coverage is exhausted which can include:
Farm Liability
Auto Liability
Employer’s Liability
Product & Completed Operations Liability
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Extends protection if a visitor is injured on your property or claims damage caused by your farm operations.
Provides additional coverage for accidents involving farm vehicles that exceed your primary auto policy limits.
May provide added protection if a farm employee brings a claim not fully covered by workers’ compensation or your base policy.
Helps protect you if a product you’ve grown, raised, or produced, or work you’ve completed, later causes bodily injury or property damage after it has left your farm.
Frequently Asked Questions
Standard liability policies have limits. A serious accident, injury, or lawsuit can quickly exceed those limits — leaving your operation and personal assets at risk. An umbrella policy adds an extra layer of protection, so one large claim doesn’t threaten your livelihood.
The right amount depends on the size and type of your operation, the value of your assets, and the risks you face. A farm with more employees, equipment, or public interaction generally requires higher limits.
Yes — if your underlying farm liability policy covers these exposures, the umbrella extends that protection by increasing your liability limits. This means additional peace of mind during busy seasons with extra staff, or when hosting events like farm tours, markets, or community gatherings.