Overview of the Program From Rodgers & Associates
Our Farm Insurance program helps agents place accounts that need flexible, agriculture-specific coverage. We write traditional row crop farms, livestock operations, and mixed-use agricultural businesses. Our team focuses on the exposures farms face every season—weather-related damage, equipment breakdowns, and liability tied to farming operations—and works with you to structure a policy that reflects the client’s operations and asset mix.
Ideal Accounts and Appetite
We are actively seeking farm accounts across CO, IA, KS, MO, ND, NE, OK, SD, and TX. Ideal submissions include:
- Row crop farms (corn, wheat, soybeans, etc.)
- Livestock operations (cattle, hogs, poultry)
- Mixed farming operations combining crops and animals
- Farms with owned or leased machinery and equipment
- Family farms transitioning toward more commercial agribusiness
You might have a client who just purchased a new combine or installed an irrigation system, or a family farm with multiple tractors and outbuildings—these are typical fits for our program.
Coverage Highlights and Advantages
Policies can be customized with endorsements to provide broad protection for farm assets and operations. Available coverages include:
- Replacement cost valuation for farm machinery and equipment
- Protection for perils such as theft, fire, hail, wind, lightning, vandalism, and flood
- Glass breakage coverage for tractor cabs and equipment
- Options to address vehicle collision and overturning losses
Listing equipment on the policy helps ensure accurate valuation and appropriate limits. We collaborate with agents to identify the right endorsements and limits based on the account’s mix of land, buildings, and equipment.
Underwriting Notes
Rodgers & Associates takes an agent-first approach to underwriting. Each submission is reviewed on its own merits; we welcome pre-submission conversations to identify whether an account is a likely fit. This program is written on a non-admitted basis—reach out to discuss carrier structure and any state-specific considerations. Clear descriptions of operations, equipment inventories, and recent loss history help speed placement.
Territories and Availability
This Farm Insurance program is available in Colorado, Iowa, Kansas, Missouri, North Dakota, Nebraska, Oklahoma, South Dakota, and Texas. Our underwriters understand regional agricultural practices and common exposures in these states, and can tailor coverage to local needs.
Why Work With Rodgers & Associates
Rodgers & Associates brings deep experience in agricultural insurance and a practical underwriting style that helps agents place complex farm risks. We focus on responsive service, regional knowledge, and customizable policy structures so your clients get protection that fits their operations. Work with us when you need a market that understands farm equipment values, seasonal exposures, and mixed-use operations.
Frequently Asked Questions
What types of farm accounts are the best fit for this program?
We specialize in row crop farms, livestock operations, and diversified agricultural businesses. Accounts with significant equipment, outbuildings, or mixed operations typically fit well.
Is replacement cost coverage available for farm equipment?
Yes. We offer replacement cost options for machinery and equipment to help protect clients from the financial impact of a total loss.
Which states is this program available in?
This program is available in CO, IA, KS, MO, ND, NE, OK, SD, and TX.
Can I submit a farm with multiple types of operations, like crops and livestock?
Yes. We welcome mixed-use farms and can tailor coverages to address multiple operational exposures on the same policy.
Is this program admitted or non-admitted?
This program is written on a non-admitted basis. Contact us to discuss carrier details and policy structure for your submission.
Need help placing an account? Connect with a market specialist.