Dairy Farm Insurance

As a dairy operator, you are among the over 31,000 licensed dairy farms in the USA. Your dairy operations are vital to the food supply in the USA. Producing milk and products that end up in cheese, butter, yogurt, and fun treats like ice cream.

You understand first-hand that the economic impact of your dairy farm operations is crucial to our economy. It supports thousands of businesses throughout the supply chain, including feed suppliers, trucking and logistics companies, food processors, equipment sales, and manufacturers. Navigating the challenges of keeping your operation bustling and providing safe, top-quality dairy products comes with unique risks. For that reason, there are specific insurance requirements for dairy operations that should be discussed.

Hitchings Insurance provides cost-effective solutions to support and protect your dairy operation & livestock coverage needs. Let’s talk today about how we can help improve your peace of mind.

Dairy Operation Insurance

Insurance coverages your dairy operation should consider.

There are various dairy operation and dairy livestock-specific Insurances, which include a range of coverages to safeguard operations of any size or type. At Hitchings Insurance, our insurance policies are specifically designed to protect your dairy operation, ensuring we protect your bottom line.

As a caretaker of our nation’s dairy supply, consider a few standard and specific coverages in your farm plan.

Milk Spoilage

Just that! Coverage on milk that is being temporarily stored and awaiting pickup from a milk hauler.

Loss of Income

Protection against lost income due to an insurance loss on a structure and herd.

Dairy Product Recall

Helps cover the costs associated with a recall claim.

Livestock Mortality

Coverage against accidental shootings, grazing poisoning, attacks by wild animals, flood, fire, electrocution, and others.

Pollution Liability

Helps protect dairy farms against accidental pollution into the water table, soil, or air.

Dairy Farm Equipment Breakdown

Helps repair or replace critical equipment for electrical arcing or miscellaneous explosions.

Dairy Revenue Protection

Livestock Gross Margin- USDA-sponsored programs to protect against declining milk prices or production. Offered through USDA approved company. We DON’T provide this coverage on an insurance plan.

Dairy Property Insurance

Coverage for your hay, straw, farm buildings, farm equipment, tools, feed, milk, and milking parlor. Coverage against perils like fire, wind, lightning, vandalism, and theft.

Liability Insurance

Livestock-specific losses can occur, and you want to ensure proper coverage. Example: If a heifer gets out of its pasture or barn (never happens, right?) and gets hit by a passing vehicle, you are legally responsible for paying for ALL damages and injuries.

Business Interruption Insurance

If the dairy operation is your primary revenue source, including this in your insurance plan is imperative. If you lost your source of income, could you financially recover? If you had a barn fire and missed a year of operation, this coverage would cover the lost revenue and additional expenses to get you back up and running.

The dairy operation industry contains diverse opportunities. It also comes with unique risks, such as unforeseen factors affecting milk production or equipment failure. With the correct insurance, you can gain peace of mind, knowing that potential damages and legal costs will be covered, allowing you to focus on your crucial role in maximizing health and mitigating risks for a thriving dairy operation.

On top of dairy-specific items, you should also consider these items in your farm package insurance plan.

  • Personal Property
  • Farm Buildings
  • Grain Storage Buildings
  • Farm Liability
  • Farm Employers Liability
  • Workers Compensation
  • Farm Trucking Insurance
  • Crop Insurance
  • Legacy Planning Insurance

Our Farm Insurance Promise

We value people, even more than the farms they operate, and make it our job to mitigate risks and leave no room for doubt. We actively listen, ask questions, and leverage our network of insurance carriers to find the right coverage, at the best price possible.

To learn more about our ‘People Before Policies’ approach – complete and submit a free quote request – or call us at 419-423-9145.