Farming is in our blood. Several Hitchings Insurance Agency staff members grew up on farms, and during our five decades in business, we’ve served local farms of all sizes from 80-acre family farms to 10,000-acre commercial operations.  We are a one-stop shop for all your Ohio Farm Insurance needs.  We take care of you, your farm, your family, and your employees.

We provide all the advantages of a large national firm and all the personal service and attention that only a local neighborhood business can offer.  Our service is friendly, personal, and highly responsive. Our top priorities are earning your trust and building a long relationship. We understand the importance of insurance – the right coverage can be vital to your legacy planning!

Farming is a tough business! Farmers face risks, hazards, and challenges beyond their control. Farm Insurance helps ensure that challenges do not turn into catastrophes. The right Ohio Farm Insurance policy protects against natural disaster, bad crop yields, equipment breakdowns, or any of the many variables that turn a good season bad.

In Ohio, Farm Insurance covers:

  • Your farmhouse – your home and property, with enough coverage to rebuild and replace.
  • Your farm buildings – machine sheds, tool shops, grain bins, grain legs, grain dryers, garages, and livestock barns.
  • Your farm equipment – tractors, combines, spray coupes, implements and tools. The Basic farm policies cover weather-related losses, collisions, theft, and vandalism.
  • Farm Liability – protects against lawsuits related to third-party personal injury or property damage.

If you have employees, you are required by law to carry Workers’ Compensation Insurance, which covers the cost of work-related injuries and temporary wage replacement.

We also offer other coverage options that might make sense for your farm: Crop Insurance, Livestock Insurance, Business Income Insurance, Personal and Commercial Vehicles Insurance, and Commercial Umbrella Insurance. There are other coverages available, depending on the nature and scope of your farming operation.

Employee Benefit Plans and Legacy Planning

Hitchings Insurance will also help you with important Employee Benefit coverages such as Personal or Group Health Insurance, Life Insurance, Key Person Insurance, Short-Term and Long-Term Disability Insurance, and Long-Term Care Insurance. These important coverages can help ensure that your assets are not drained by the cost of extended illness, disability, or the need for long-term care, and that those assets are protected in the event of death.

You talk, we listen!

At Hitchings Insurance, we take the time to listen to you, learn your unique needs, learn what you value, and learn what is important to you. Once we have a clear picture, we turn to our network of insurance partners and from an array of options, we select the ones that fit your singular circumstances and budget. Our service is friendly, personal, and highly responsive. We’re there for you in good times and bad.

Learn why so many of your Ohio and Michigan neighbors trust Hitchings Insurance Agency to protect their farms. We invite you to learn about the Hitchings Insurance Agency difference yourself – fill out a free quote form or call us at 419-423-9145.


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Recommended Products

Workers Compensation/Employers Liability

Coverage to protect employees against injuries while at work.

Legacy Planning/Life Insurance

Creative plans to insure long term success of family farms,
key man life policies, funding farm perpetuation with life insurance
plans can be extremely cost effective.

Crop Insurance

Coverage against loss of production/yields, or revenue for growing crops.
Read more.

Farm Liability

Coverage that protects you and your assets against financial loss
due to your negligence. Accidents happen. Have the proper limits to
protect what you’ve worked for your entire life.

Intake of Foreign Objects

Coverage for your combines, sprayers, tractors and other
pieces of equipment needed to run your operation.

Farm Equipment

Coverage for physical damage against loss of tractors, implements, tools, etc.

Personal Liability

Protects against loss for bodily injury or property damage by
residents of the home who you’re legally responsible for.
For example, grad parties, swimming pools, dog bites, accidental shooting, etc.

Farm Dwelling

Homeowners coverage for owner occupied dwellings,
will cover the home, personal property, loss of use, etc.


Coverage for loss to the animal, standard peril coverage against
fire, windstorm, lightening. Mortality coverage against grazing poisoning, drowning, disease, etc.
Read more.

Business Income

Protection against loss of revenue. Example- steer building burns down,
farm loses out in 2 rotation and is out the profit for those rotations, coverage
would kick in to make the farmer whole again and pay for lost profits and extra expenses.

Recreational Vehicle Liability

coverage for rangers, gators, ATVs, side by sides, snowmobiles, etc.
If the vehicle leaves the home farm location it needs to have recreational
vehicle liability for coverage to apply. The vehicles also need to be listed
for coverage against physical damage. For example, theft, collision.
If used for farm use, we can cover as farm personal property, which will
include the recreational vehicle liability.

Farm Buildings

Coverage against physical damage loss to the structures.
Replacement Cost, Functional Replacement Cost, and Actual cash value options are available.

Personal Auto

Coverage for vehicles not used for farming purposes. Typically a spouse or child’s vehicle.

Grain Complex

Coverage against damage to the structure. Entire complex can be insured
under a blanket limit with one deductible. Stored Grain- peak season coverage
available when the grain is stored, and at a fraction of the cost of farm personal property.

Farm Trucking

Coverage for commercial vehicles. Anything with a GVW over 12,000lbs
will be insured on a commercial farm auto plan. These plans are heavily discounted
if using for hauling owned commodities and not using for hire. Policy can also cover
trucking for hire or others as well.

Secondary Locations

Coverage against secondary locations. This can include dwelling coverage,
building coverage, farm personal property. Can be a family members residence,
a rental dwelling, or a tenant occupied location. Lots of variables and options available.

Pollution Liability

Coverage against accidental seepage of a pollutant into soil or water table.
Coverage for cleanup costs, punitive damages, and defense available.

Interactive Coverage Map

Farm Insurance

Farmhouse, farm buildings, farm equipment, farm liability, and more..