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...ize in providing comprehensive Agribusiness Insurance solutions for farms and ...tes is this program available?Our Agribusiness Insurance program is available ...

...nagers, you don’t have to. Our Agribusiness Insurance Program allows you to of..., nurseries, and large commercial agribusinesses—especially those needing both...

Farm & Ranch Insurance Ck Specialty Insurance Associates, Inc. offers a robust Farm & Ranch Insurance program tailored for agents and brokers with clients in agricultural industries. As a Western-based, family-owned MGA and surplus lines wholesaler, Ck Specialty provides access to a wide range of A-rated carriers, with in-house binding authority and brokerage markets to handle even the most complex rural risks. Whether your client operates a small hobby farm or a large-scale commercial ranch, this program is designed to protect both property and liability exposures unique to agricultural operations. Ck Specialty serves retail agents across AZ, CA, CO, ID, MT, NV, OR, UT, and WA, offering competitive solutions for a broad range of rural risks. Coverage's Include (but are not limited to): Farm Liability (basic farm premises and personal liability) Farm Property (including dwellings, appurtenant structures, personal property, barns, and outbuildings) Equipment Breakdown Activities or Pursuits Covered Include (but not limited to): Animals & Livestock Aquaculture & Fish Farms ATVs & Snowmobiles Beekeeping Owner-Occupied Dwellings Hazardous Materials on the Insured's Premises Pick-Your-Own Farms Ranches Seasonal or Vacant Occupancies Tree Farms Vineyards & Wineries Highlights: - Minimum premiums (MPs) as low as $500 - 24-hour quote turnaround in most cases - Access to numerous A-rated surplus lines carriers - In-house binding authority for faster processing Ideal Accounts and Appetite This program is an excellent fit for a wide range of agricultural operations. You can place accounts such as: A family-owned vineyard with a tasting room and seasonal foot traffic A multi-acre ranch with livestock and owner-occupied dwellings A beekeeping business that sells directly to consumers Pick-your-own farms offering agritourism activities Risks with hazardous materials, vacant or seasonal homes, and non-traditional farm activities are also considered. Underwriting Notes and Minimum Premiums Ck Specialty’s Farm & Ranch Insurance program is written on a non-admitted basis, allowing flexibility in underwriting unique or hard-to-place risks. Minimum premiums vary by risk profile, with some options starting as low as $500. Submissions receive a fast turnaround—typically within 24 hours. Territories and Availability This program is available to retail insurance brokers in the following states: AZ, CA, CO, ID, MT, NV, OR, UT, and WA. Why Work With Ck Specialty As a Western-based MGA and wholesaler, Ck Specialty understands the unique exposures and needs of rural and agricultural clients. With deep market access, responsive service, and underwriting expertise in farm-related risks, they are well-positioned to help you place even your most challenging accounts. Ck Specialty Insurance is a family-owned & operated, Western-based MGA/Wholesaler/Surplus Lines Broker providing market access to retail insurance brokers in AZ, CA, CO, ID, MT, NV, OR, UT, & WA. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this Farm & Ranch Insurance program?Ideal accounts include vineyards, ranches, tree farms, aquaculture operations, beekeeping businesses, and pick-your-own farms. Both traditional and niche agricultural risks are considered. Is this program available on an admitted or non-admitted basis?This program is offered on a non-admitted basis through numerous A-rated surplus lines carriers, allowing flexibility for unique or hard-to-place risks. What is the typical turnaround time for quotes?Ck Specialty typically provides quotes within 24 hours of receiving a complete submission. Are seasonal or vacant dwellings eligible for coverage?Yes, the program includes coverage options for seasonal or vacant occupancies located on farm or ranch premises. Which states is this program available in?This Farm & Ranch Insurance program is available to retail brokers in AZ, CA, CO, ID, MT, NV, OR, UT, and WA. Need help placing an account? Connect with a market specialist.

Agriculture Workers Compensation Insurance can be difficult to place, especially for high-hazard or distressed accounts. Through Novatae Risk Group’s program, powered by Empire Underwriters, independent agents and brokers gain access to a reliable market backed by an "A"-rated carrier. This exclusive program is designed to help you secure workers' compensation coverage for a wide range of agriculture and farm-related risks, including those that are traditionally hard to write. Whether you're working with a new venture, a client with a high experience mod (MOD 1.30+), or an account that’s been declined, non-renewed, or lapsed, Novatae provides flexible solutions. Our brokers bring over 20 years of experience handling workers compensation placements and specialize in creative strategies for tough accounts. We move quickly and offer custom account handling to help you meet your clients’ deadlines and risk management needs. To discuss your Agriculture Workers Compensation Insurance accounts, call our experienced brokers at 800-758-8113. Ideal Accounts and Appetite: Experience Mods of 1.30 or higher High-hazard or tough-to-place classes Blue, gray, and white collar agriculture-related operations Accounts currently in state pools or assigned risk funds Distressed, lapsed, cancelled, or non-renewed accounts New ventures without prior coverage Multi-state exposures Coverage Highlights and Program Features: Access to multiple "A"-rated carriers Fast quote turnaround Standalone workers compensation available Guaranteed cost options Integrated workers comp solutions Dividend and retroactive plans High deductible programs Custom account handling by experienced brokers Submission Requirements: Completed ACORD 130 application 3–4 years of currently valued loss runs Details on any large losses Supplemental questionnaire (industry-specific) Underwriting Notes and Minimum Premiums: The minimum premium for this program starts at $10,000. Our underwriters are experienced in evaluating complex risks and can work with you to find a solution, even for accounts with challenging histories or higher-than-average claims activity. Territories and Availability: This program is available in most states, including but not limited to: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Carriers and terms may vary by state. Why Work With Novatae Risk Group: Novatae Risk Group, through Empire Underwriters, offers solutions for hard-to-place agriculture workers compensation accounts. We are a Managing General Underwriter and Excess & Surplus Lines Broker with access to a wide range of markets and decades of specialized experience. Our team is known for responsive service, expert underwriting, and creative problem-solving. Need a quote for Agriculture Workers Compensation Insurance? Email your submission to [email protected] or call 800-758-8113 to speak with an underwriter today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for agriculture-related businesses with high MODs, multi-state operations, prior losses, or those in state pools. New ventures are also welcome. Is this program available for distressed or lapsed policies?Yes. We specialize in handling distressed accounts, including those that have been cancelled, non-renewed, or have a lapse in coverage. How quickly can I get a quote?Most quotes are turned around quickly once all required submission materials are received, including ACORD applications and loss runs. Are multi-state exposures eligible?Yes, multi-state operations are one of our specialties, and we can help you find solutions for complex geographic risks. What is the minimum premium for this program?The minimum premium starts at $10,000, though pricing will vary based on risk characteristics and underwriting review. Need help placing an account? Connect with a market specialist.