Texas License #3365362 | NPN License #21655529

Accidents on Texas farms happen fast — a slip in the cattle chute, a fall from the hay loft, a tractor rollover. And while many operations rely on family and seasonal help, injury doesn’t care about bloodlines or job titles. In rural counties like Wise, Uvalde, or Gonzales, a single medical emergency can spiral into six-figure lawsuits.

💣 Here’s the Risk:

Texas doesn’t require workers’ compensation, but that doesn’t mean you’re off the hook. Whether it’s a hired hand or a friend helping during harvest, if someone gets hurt and you didn’t carry coverage, you can be sued for medical bills, lost wages, and negligence. Some policies won’t even respond if the injured person isn’t “officially” on payroll.

🛡️ Solution:

We offer tailored protection:

• Workers’ Compensation for W-2 farmhands
  
• Occupational Accident Plans for 1099 helpers
  
• Farm & Guest Medical Liability for volunteers or family visitors
  
  We make sure your land is protected whether you’re running a legacy cattle ranch or a diversified crop operation — and that your assets and livelihood are never one injury away from ruin.
  

From Panhandle hail to South Texas drought to Hill Country lightning strikes — Texas farmers are exposed to extreme weather and natural catastrophe like no other state. A single freak storm can obliterate harvest yields, kill livestock, or destroy outbuildings you depend on daily.

💣 Here’s the Risk:

Basic farm policies often exclude certain natural disasters, cap recovery amounts below real loss, or require strict notice periods to trigger claims. Worse, some policies cover your dwelling — but not your barn, silo, or fence line.

🛡️ Solution:

We build multi-peril crop insurance (MPCI) and comprehensive farm packages that include:

• Crop loss from drought, flood, fire, hail, wind
  
• Barns, silos, fencing, irrigation systems, and corrals
  
• Livestock mortality and theft
  
• Business Interruption for ongoing expenses during rebuilds
  
  Our coverage isn’t cookie-cutter — it’s calibrated for Texas agriculture’s volatility.
  

Cattle rustling may sound like an old Western problem, but theft of livestock is still rampant in rural Texas. Add in risk of disease outbreaks, predator attacks, and accidental poisoning, and the cost of a herd loss can be catastrophic.

💣 Here’s the Risk:

Many ranch policies don’t automatically include animal mortality or may limit payouts based on outdated valuations. If you raise prize bulls or rare breeds, generic coverage can leave you with pennies on the dollar.

🛡️ Solution:

We offer Livestock Risk Protection (LRP) and animal mortality policies that:

• Cover theft, transit losses, accidental shootings, and predator kills
  
• Account for actual animal value — including breeding stock or show animals
  
• Add endorsements for AI (artificial insemination) loss, embryo loss, and fertility loss
  
  From Corriente to Brangus, you’ll know your herd is protected.
  

Spraying herbicides, irrigating from creeks, or spreading manure can unintentionally impact neighboring properties or public land. A small mistake — even from wind drift — can trigger EPA scrutiny or a neighbor’s lawsuit.

💣 Here’s the Risk:

General farm liability often excludes environmental hazards. If you don’t carry the right endorsements, you could be liable for cleanup costs, crop damage, and civil penalties — even if the drift was unintentional.

🛡️ Solution:

We include Farm Pollution Liability and Environmental Drift Coverage where needed, with:

• Defense against state/federal enforcement
  
• Coverage for runoff, over-spray, or contaminated wells
  
• Compliance support with USDA and EPA rules
  
  You focus on yield — we’ll handle the red tape and environmental exposures.
  

Your equipment is your lifeline. If your combine goes down in the middle of harvest, or your tractor is stolen from the barn, your entire season’s yield — and revenue — could be jeopardized.

💣 Here’s the Risk:

Most homeowners or basic policies do not cover farm-use machinery — especially when driven on roads, operated by others, or financed through ag lenders.

🛡️ Solution:

We offer Scheduled Equipment Coverage and Mobile Machinery Policies for:

• Tractors, combines, balers, sprayers
  
• UTVs, gators, and side-by-sides
  
• GPS ag-tech equipment and field monitors
  
  Coverage includes physical damage, theft, vandalism, rollover, and in-field breakdown. Whether green, red, or blue paint — your iron is covered.
  
  

Agri-tourism is growing across Texas — whether it’s a pumpkin patch in October, a field day for FFA, or leasing land for dove hunting. But any time the public steps foot on your land, your liability skyrockets.

💣 Here’s the Risk:

Standard farm liability may not cover commercial guest access, and a single injury — even a twisted ankle or ATV mishap — can open you to litigation or invalidate your base policy.

🛡️ Solution:

We provide Agri-Tourism Endorsements and Event Liability Coverage that include:

• Guest injury on trails, hayrides, or animal areas
  
• Hunting lease protection and waivers
  
• Liquor liability if events serve alcohol
  
  We tailor policies to your activities — not just your acreage.
  

🔒 Pro Tip: Let us review your contracts, unique needs, and recommend the right level.