From row crops to ranches, your operation deserves coverage as hardworking as you are. With over 50 years of experience and access to 60+ top-rated farm insurance companies, Pepper, Johnstone & Company builds farm and ranch insurance programs that protect your land, livestock, equipment, and everything in between.
Farm Insurance for Agricultural Operations Nationwide
from Pepper, Johnstone & Company
Farming isn’t just a business—it’s a way of life. But when your livelihood depends on unpredictable variables like weather, crop yield, or equipment breakdowns, the right insurance coverage can be the difference between recovery and ruin.
There’s too much at stake to cut corners—especially with your insurance.
At Pepper, Johnstone & Company, we help farmers, ranchers, and agribusiness owners protect the land they love and the work they’ve built. Whether you grow soybeans, raise cattle, or manage a mix of crops and livestock, we’ll tailor a plan that fits your unique farming operations.
Why Farm Insurance Matters
Modern agriculture is more advanced—and more exposed—than ever before. A single storm, accident, or lawsuit could lead to major property damage or loss of income. That’s why smart growers invest in farm insurance that does more than just meet minimums.
Whether you manage 20 acres or 2,000, your farming insurance should protect both your home and business assets. Our experienced insurance agents help you select the right coverage options, so you can focus on growing your operation, not fighting claims.
Core Insurance Coverages for Farmers & Agribusinesses
Every farm or ranch has unique risks, but most agricultural operations need a solid foundation of essential policies to protect what matters most.
General Liability Insurance
Protects you against third-party claims of property damage, bodily injury, or legal expenses stemming from your farm or ranch operations.
Workers’ Compensation Insurance
Covers medical care and lost wages for employees injured during the course of your farming operations.
Commercial Property Insurance
Covers barns, silos, and farm personal property, including feed, tools, and storage contents.
Commercial Umbrella Insurance
Adds additional liability protection above your primary policy limits, offering security during high-value claims.
Commercial Auto Insurance
Farmer auto insurance is a unique and crucial aspect of protecting work vehicles used on and off your land.
Employment Practices Liability Insurance (EPLI)
Shields you from costly claims of wrongful termination, harassment, or discrimination by farm workers or seasonal staff.
Fiduciary Liability Insurance
Protects your role in managing benefit plans and pensions for your employees.
Crime Insurance
Covers losses related to theft, fraud, or dishonest acts—whether internal or external.
Special Considerations for Agricultural Policies
Most farmers need more than just a standard policy. That’s why we offer farmowners policies, which combine home insurance, commercial property, and liability coverage under one package.
So, what is farm insurance, and what does it cover? These policies can include:
- Your home and personal belongings
- Farm machinery and equipment
- Barns, sheds, coops, and other outbuildings
- Livestock, grain storage, or feed
- Business interruption and equipment breakdown coverage
- Replacement cost for eligible buildings and property
Whether you run a farm and ranch business or a family farmstead, we’ll help you get the protection you need—tailored to your land, assets, and risks, which often vary by state.
Risk Management Beyond the Acreage
Protecting your farm means looking beyond the basics. Pepper, Johnstone & Company helps secure insurance protection for other exposures, including:
- Cyber risks from smart ag tech and farm software
- Guest injuries during farm tours or on-site events
- Losses from stolen or destroyed machinery
- Coverage shortfalls during peak inventory or harvest
From row crop growers to ranch insurance clients, we’ll review every angle of your operation to avoid dangerous gaps.
Why Choose Pepper, Johnstone & Company
Pepper, Johnstone & Company is proud to serve farmers across the United States. As one of the Southeast’s leading providers of farmers’ insurance, we understand that every field, fence, and feedlot represents your life’s work.
That’s why we don’t believe in one-size-fits-all approaches. We offer personalized consultations and access to dozens of carriers, from regional ag specialists to national life insurance company partners. Our job is to advise, protect, and advocate—so you can keep doing what you do best.
Frequently Asked Questions About Farm Insurance
What farmers, large and small, need to know
A farmowner’s policy is a hybrid insurance plan combining elements of home insurance, liability, and commercial coverage. If your land generates income through agriculture or livestock, you likely need this specialized protection instead of a basic homeowner’s policy.
Yes. Many farm insurance policies allow you to include your private residence and personal property as part of a bundled package, offering convenience and broader protection.
While property insurance may cover theft or fire, equipment breakdown coverage is a separate option that protects against mechanical or electrical failure. Our advisors will help you decide whether it makes sense for your farming operations.
Premiums depend on acreage, revenue, type of operation, and assets insured. A small-scale orchard will pay less than a multi-acre cattle ranch. We shop rates across carriers to find the best fit for your needs. Contact Pepper, Johstone & Company for an easy farmers’ insurance quote!
You may need farmer auto insurance or a commercial auto insurance policy, depending on how your vehicles are titled and used. If a truck, trailer, or piece of equipment is titled to your farm business and used primarily for transporting goods, hauling feed, moving workers, or conducting any part of your farming operations, then a commercial policy is likely required by law.
However, if you use a vehicle for both personal and business reasons—or if it’s registered under your name rather than the business—your situation may fall into a gray area.
That’s where working with an experienced insurance advisor can help. At Pepper, Johnstone & Company, we’ll help you navigate coverage options to avoid gaps or compliance issues and make sure every vehicle on your farm or ranch is properly protected.
Absolutely. Ranch insurance often includes livestock mortality, fencing, boarding liability, and other unique risks. Whether you run cattle or raise horses, we’ll build a plan that fits.
What do people think about us?
Trusted by the farmers who feed America.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
We are very pleased with our services that Pepper, Johnstone and Company provide for us! Both with business and personal needs, we feel like we are receiving excellent resources. We truly would not trust anyone else for our insurance needs!
— Lauren M.
on Google
Thankful for the opportunity to work with Pepper, Johnston’s and Co. They helped us add basic insurance needs for our newly formed LLC. The responsiveness, willingness to answer numerous questions, and guide us through multiple options was greatly appreciated. I’d like to especially thank Meredith Baswell of their staff who helped us through the process. I’d recommend you seek their advice and input on commercial and personal insurance options.
— Kevin G.
on Google
This is the best insurance agency hands down. We have our home, car, and business insurance through them. Julie has always gone above and beyond to help us. We wouldn’t use anyone else.
— Laura D.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
Pepper, Johnstone is a very professional and responsive insurance company. They were able to assist me with a full suite insurance solution very promptly and at a great value. Most importantly, I felt completely comfortable that I was being handled by true professionals. Bryan Johnstone is great at his job and I would recommend him highly to anyone who needs insurance advice for themselves or their business.
— Troy R.
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Let’s Build the Right Farm Coverage Together
Whether you manage 20 head of cattle or 2,000 acres of corn, you deserve peace of mind. Pepper, Johnstone & Company is here to help you protect what matters most. Call us at 866-865-3499 or request a quote online today.