Farm & Ranch Insurance | Comprehensive Agribusiness Liability & Property Coverage
Protecting Your Heritage: National Farm & Ranch Advocacy
Tailored Insurance Solutions for the Infrastructure, Equipment, and Liability of American Agriculture.
A farm is more than a business; it’s a complex ecosystem of high-value assets and unique risks. At Ozark Hills Insurance, we provide nationwide Farm and Ranch Insurance designed to protect every facet of your operation. From the structural integrity of your barns and outbuildings to the sophisticated machinery in your machine sheds, our team provides the licensed advocacy needed to shield your legacy. We do what is best for the producer, every time, ensuring your coverage is as resilient as the land you work.
Outbuildings & Dwellings
Secure your primary residence, detached garages, barns, silos, and specialized outbuildings. We offer flexible valuation options, including Replacement Cost or Actual Cash Value, to ensure your infrastructure can be rebuilt after a loss.
Inland Marine & Equipment
Protect your fleet—from tractors and combines to pivots and ATVs. Our policies cover your specialized machinery against fire, theft, and accidental damage, ensuring that a breakdown doesn't stall your entire production cycle.
Comprehensive Liability
Agriculture comes with inherent risks. We provide robust Farm Liability coverage to protect you against bodily injury, property damage, and legal fees. For larger operations, we offer Commercial Umbrella policies to provide an extra layer of security.
Livestock & Care, Custody, Control: Specific coverage for animal mortality or injuries to livestock owned by others while in your care.
Pollution & Chemical Liability: Essential protection for the storage and application of fertilizers, pesticides, and fuels.
Custom Farming Endorsements: If you perform work for other producers, we ensure your liability extends to your custom operations.
Farm Insurance FAQ
Does a standard homeowners policy cover my farming operations? No. Most homeowners policies specifically exclude business and agricultural activities. A dedicated Farm & Ranch policy is required to protect your outbuildings, specialized equipment, and the unique liability risks associated with running a farm or ranch.
What is the difference between Scheduled and Blanket equipment coverage? Scheduled coverage allows you to list specific high-value items (like a combine or tractor) with a set insured value for each. Blanket coverage provides a total lump-sum limit for all your farm personal property. We help you audit your inventory to determine which method offers the best protection for your fleet.
Is my livestock covered under a standard farm property policy? Basic farm policies often provide limited coverage for livestock against specific perils like fire or lightning. However, for full protection—including accidental shooting, drowning, or attacks by wild animals—we recommend adding a specialized Livestock Mortality or “Care, Custody, and Control” endorsement.
Does Ozark Hills Insurance provide coverage for custom farming for others? Yes. If you use your equipment to plant, harvest, or spray for other producers, your standard liability may not follow you. We can add a Custom Farming Endorsement to your policy to ensure your protection extends to the work you do for hire.
How are farm outbuildings valued in the event of a total loss? We offer both Replacement Cost and Actual Cash Value (ACV) options. Replacement Cost ensures you can rebuild your barn or shed at today’s construction prices, while ACV factors in depreciation. We recommend a professional valuation audit to ensure your limits match current local building costs.
Meet Our Ag Team
Led by career-long Ag-business experts, our team specializes in sophisticated risk management solutions including (LRP) Livestock Risk Protection, PRF Rainfall Indexing and Multi-Peril Crop Insurance for Missouri and Arkansas livestock and row-crop operations.
Jared Underwood
President
Will Gourley
Agent
Hayden Ballard
Agent
Hayden Ballard
Agent
Adam Issacs
Agent
Connect with a National PRF Specialist
Our Ag team provides more than just a policy; we provide a nationwide safety net. Whether you are managing acreage in the Midwest, the Delta, or the high plains, our specialists are equipped to perform remote audits and precision rainfall indexing for your specific grids. We do what is best for the producer, every time, ensuring your federal and private protection is seamless and secure.