Agribusiness Insurance in Texas
We help Texas agricultural businesses compare insurance for custom work, processing and storage. Include baling, harvesting, spraying and hauling, property belonging to customers, and the people working with you.
Key coverages to review
Commercial property insurance
Review buildings, stored agricultural goods and their values. Include property owned by someone else. Review commercial property insurance
Farm equipment coverage
List machinery, its values and where it is used. Include equipment owned by someone else and work away from your premises. Review farm equipment insurance
Agricultural business liability
Review liability for custom farming, including baling, harvesting and spraying for others. Include your services, customer property, products sold and relevant agreements.
Commercial auto and hauling
List farm trucks, pickups, trailers, drivers and what is transported. Explain whether you haul your own goods or carry property for others. Review trucking, cargo and contract requirements for for-hire hauling separately from farm equipment coverage.
Start with what your operation does
Describe your services, processing or storage and the customer property involved. If you also grow crops or raise livestock, include that operation so we can review farm and commercial coverage together.
A business operates with the intent to earn a profit, including in years when it has a loss. For insurance, we review the work performed, property and people involved separately from tax classification.
Workers' compensation and contracts
Include employees, seasonal help, contractors and payroll by role. We review workers' compensation requirements for the employer and working arrangements, including rules specific to agricultural employment. Bring leases, insurance requirements and certificate requests.
Where crop insurance fits
Federal crop insurance is a separate USDA program sold through approved providers and agents. Bring existing crop policies so responsibilities can be reviewed alongside property and liability.
USDA Risk Management Agency: crop insurance (opens in a new tab)
What to have ready
Start with the operation and the information you already have.
- Services, sales, locations and current policies
- Equipment, buildings, vehicles and value records
- Employees, contractors and payroll by role
- Leases, customer agreements and insurance requirements
Agribusiness insurance questions
Can one farm policy address every commercial activity?
Services, sales, processing, employees and vehicles can call for different coverage. We compare those activities with your farm policy and review endorsements or separate commercial policies where needed.
What changes when I bale or harvest for someone else?
Include the service, customer property, machinery, locations, helpers and work agreements. Paid work for others can raise additional equipment and liability questions even when the arrangement is informal.
Do workers' compensation rules apply the same way to every farm crew?
No. Agricultural employment has specific provisions. Bring details of the employer, work, crew and employment arrangements so the applicable requirements can be checked.
What should I do with a certificate request?
Send the complete request to our office. We compare the requested information with your policy. A certificate reports coverage; policy changes or contract requirements need a separate review.
Review the operation before choosing coverage
Bring the work, equipment, vehicles, people and agreements into one review. Our Texas team will help you compare options and understand the terms before you choose.
Stover & Crouch Insurance Madisonville, Texas, since 1920