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Program Highlights for Ranch Insurance:
Colonial General Insurance Agency, Inc. offers a specialized Ranch Insurance program tailored for small to mid-sized farming operations. Whether your insured owns and operates their ranch or leases it to a third party, this program is designed to meet a wide range of property and liability needs with flexible coverage options.
Ideal Accounts and Appetite
This program is ideal for agents looking to place risks for:
Owner-occupied or seasonal/secondary farm and ranch dwellings
Tenant-occupied properties with farm/ranch elements
Hobby farms or part-time farming operations
Clients who lease out land or facilities to third parties
Accounts with barns, outbuildings, livestock fencing, equipment, and machinery are all eligible for tailored scheduling of property and personal property coverage. This program is best suited for operations that fall into the small-to-medium farm category, rather than large-scale commercial agriculture.
Coverage Highlights and Advantages
Coverage is offered on a Basic or Broad form basis, and includes:
Comprehensive Personal Liability – Protects the insured against third-party bodily injury and property damage claims.
Farm & Ranch Property Coverage – Insures barns, outbuildings, fences, and other structures.
Farm & Ranch Personal Property – Covers tools, equipment, tractors, and other machinery.
Dwelling and Contents – Offered on a Replacement Cost or Actual Cash Value basis.
Flexible Policy Structures
Owner Occupied / Seasonal or Secondary – Dwelling and Liability package, with options to schedule Farm & Ranch Property and Personal Property.
Tenant Occupied – Dwelling and Loss of Use coverage, with optional scheduled property coverage.
Tenant Package – Includes Contents, Loss of Use, and Liability, with options to schedule Personal Property.
This flexibility allows agents to tailor policies to fit a variety of client circumstances, from absentee landowners to full-time ranch operators.
Underwriting Notes
Colonial General works with a variety of carriers to provide competitive solutions, with some admitted markets available depending on the risk and state. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers access to specialty markets that many standard carriers may not accommodate.
Underwriting focuses on clean operations with manageable exposures. Risks with significant commercial activity or heavy industrial farming may not be an ideal fit.
Territories and Availability
This Ranch Insurance program is available in the following states:
Arizona (AZ)
California (CA)
Colorado (CO)
Idaho (ID)
Nevada (NV)
New Mexico (NM)
Utah (UT)
Wyoming (WY)
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. brings decades of niche underwriting experience and market access to support independent agents placing hard-to-place or specialty ranch risks. Their flexible program design and regional expertise make them a strong partner for agents working with rural clients or agricultural properties that don't fit within standard homeowners or commercial policies.
You can count on responsive service, customizable options, and a team that understands the unique exposures of farm and ranch operations in the Western U.S.
Frequently Asked Questions
What types of accounts are a good fit for this Ranch Insurance program?The program is ideal for small to mid-sized owner-occupied, tenant-occupied, or seasonal ranch or farm properties. It’s suitable for clients who operate their own ranch or lease their land to others.
Can I schedule specific farm property like barns and machinery?Yes, the program allows you to schedule Farm & Ranch Property and Farm & Ranch Personal Property such as barns, fences, machinery, and tools.
Is this program available in admitted markets?Some admitted markets are available depending on the risk and state. Colonial General also utilizes excess and surplus lines markets for more specialized accounts.
Which states is this program available in?The Ranch Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What makes Colonial General a good partner for ranch coverage?Colonial General offers flexibility, niche expertise, and access to multiple markets, making it easier for agents to place rural property risks that don't fit standard programs.
Need help placing an account? Connect with a market specialist.