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farm insurance california
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California Farm Insurance

With California being one of the most abundant farming states in the nation it is hard to believe that there are only a few options to choose from when you are looking for a California farm insurance policy. Traditionally there have only been a few choice companies that the majority of farm owners have been insured with. Well times have changed and now there are more options than ever before.

If you are tired of working with the same old farm insurance companies and are ready for a second opinion on your California farm insurance policy then you have come to the right place. We are an independent insurance agency and work with several carriers to ensure that we are able to provide you with all of the coverage that you need with one of the nation's top rated carriers, all at a competitive rate.

It is crucial that you work with an agency that fully understands all of your farming operations and that is able to provide you with coverage for all of your exposures. Whether you own a simple farm, lease a farm property, or are just a harvesting contractor then we are here to help. At Bains & Woodward Insurance we are not limited like other agents that have exclusive arrangements to work with a single company for the farm owners or that are completely captive. These types of agencies can only quote your policy with a single company. When they present you a rate it is take it or leave it with no exceptions.

What Types of California Farm Risks Are We Able To Help?

Farm Owners With Multiple Locations - If you own a farm and have additional locations that you lease land out for your business we are able to provide you primary liability coverage for your primary location and extensions of liability to your additional locations as well. The best part about many of our carriers is that the rating base is based upon the total acreage for most of the policies that we have access to. The additional location extensions are often a flat rate liability premium surcharge. This means savings for you as opposed to other carriers that traditionally rate per acre of additional location.

Also for these types of risks we can schedule all of you building coverage for your primary location including the primary home, additional storage buildings, barns, and trailers. In addition, we can schedule coverage for additional structures on other owned location that you farm on. The best part is that all of this will come on a single policy with a single premium for your building coverage, liability, extensions of liability, specialized endorsements, and scheduled equipment.

Farmers That Lease Land From Others - In many cases we find that our clients have farm property that they lease to farming contractors for full use. Many of the traditional insurance companies will sway away from these types of risks because they do not fit the mold of their exact appetite. This is not the case with the carriers that we have access to. Since we are an independent agency, our market access give us the ability to not tell you that "we can't help". What you will hear from our representatives is no problem. We can help you with your California farm insurance policy for the land that you own that you lease out to others. We can even schedule the policy as a lessor's risk to include lessor's risk liability and building coverage when needed.

Contract Harvesters - Most contract harvesters in California are getting used to hearing "We can't help you" or "we need to have your primary farm policy covered". Well this doesn’t help you and this is not what you will hear from us. We understand that the majority of contract harvesters DO NOT have a primary farm. We understand that you are running a business and you are in the business of earning a living by harvesting for a fee. We can help you with you California general liability and get you scheduled farm equipment covered, no problem.

What Coverage Can Our California Farm Insurance Carriers Offer

Building Coverage - Many of the farm owners that we work with own the properties that they are farming on. We are able to help to make sure that all of the buildings that you own are covered. Not just your homes, but we can make sure that you California farm insurance policy also covers you guest houses, barns, storage building, and any trailers on the property.

California Farm Liability Insurance - Your farm liability is your largest exposure as a farmer in California. The majority of all farm claims are due to liability that arises out of your farming operations. We do not only offer liability coverage for your primary farm but also schedule extensions for additional locations that you lease to ensure that you are offered the broadest form of protection available. Many of our carriers will also offer personal liability protection extension from the standard farm liability coverage.

Scheduled Equipment - As a farmer in California your equipment is some of the most expensive equipment used in most businesses. In fact, most farmers that harvest themselves or contract harvesters, have single pieces of equipment that cost more than the total owned property of many other businesses combined. It is important that you make sure that all of your equipment if protected and we have multiple options of ways to insure it depending on your operations. Our policies can be written as package policies that include coverage on your scheduled equipment on a basic, broad, or inland marine forms, or we can write inland marine policies when needed to cover your equipment.

Miscellaneous Endorsements - As a farm owner in California you may be left with several additional endorsements that need to be added to your policy. We are here to help and the our carriers offer a broad selection of specialty endorsements to suit all of your needs. Whether you need additional farm liability, farm pollution coverage, employers liability, or coverage extensions for your farm stands you have come to the right place.

How Do I Get a California Farm Insurance Quote?

If you are interested in getting a quote for your farm you can either request a quote online or call in and speak with one of our representatives over the phone. We will work with you diligently to ensure that you have all of the coverage that you need to protect you from your many exposures. We can also offer a non invasive coverage comparison free of charge. We will look at your current declarations page and match it up with what we can offer free of charge.

farm insurance ca

We are here to help regardless of what type of Business Insurance CA you are looking for. See the list below for help with other types of coverage:


For California Farm Insurance we specialize in the types of commercial vehicles that are listed below:


We are here to help you with all of your insurance needs. Request your quote online or call in and speak with a representative today!