You need an insurance company that not only works as hard as you do, but also understands the unique risks that come with farming. Farm Bureau Insurance knows farming; after all, "farm" is in our name.
We've been serving South Carolina farmers since the 1950s when a group of farmers started the company to provide affordable, reliable insurance to South Carolina farmers like them. Word quickly spread about the value and exceptional service Farm Bureau Insurance offered and the company quickly grew.
Today, Farm Bureau Insurance is a leading provider of auto and homeowner's insurance across South Carolina, but we have remained true to our roots. We continue to offer reliable, affordable farm insurance to South Carolina farmers backed by exceptional customer service from local agents.
Types of Farming Operations We Insure
Whether you farm for a living or own a few acres because you like the rural lifestyle it provides, Farm Bureau Insurance offers multiple policies and coverage options to fit all types of situations and to protect all types of property.
Some examples include:
- Poultry farms
- Dairy farms
- Row crop farming
- U-Pick farms
- Livestock operations
- Fruit trees
- Wholesale nurseries
- Roadside stands
- Farm property used for agritainment
- Leased farmland
We understand every farm is unique. Farm Bureau Insurance offers a variety of policies and coverage options to meet your specific farm insurance needs including:
Farm Property and Equipment
Coverage options are available to protect your home, outbuildings, farm machinery, livestock and farm equipment.
Farm liability coverage is also available to provide protection should someone be injured on the farm or injured by livestock and farm equipment on the road.
Other Specialized Farm Coverage
To better meet your unique farming needs, we offer additional farm insurance coverage options. You may also want to consider:
- Farm Environmental Liability Policy in case of accidental pollution
- Cargo Policy to provide protection when transporting farm products
- Livestock Mortality Policy to protect any animals you own
- Farm Umbrella Policy
Personal and commercial auto insurance policies are available for vehicles used on and off the farm. Coverage is available for tractor rigs used on the farm, farm-use dump trucks and spreader trucks. Be sure to ask your Farm Bureau Insurance agent about Seasonal-use rates.
If you are a horse enthusiast or owner, Farm Bureau Insurance agents have access to a variety of equine coverage options including:
- Personal horse owner's liability (non-commercial activities)
- Commercial equine liability – includes riding instruction, training, boarding, breeding and horse sales
- Horses in shows and some contests – includes barrel racing, team penning and steer roping
- Land for conducting trail rides
- Horse boarding
- Mortality insurance
- Farm or equine property – includes barns, stables and tack
- Farm equipment – includes tractors, front end loaders, hay balers and trailers
Farm Bureau Insurance offers an Agribusiness Program for large farming operations that pay $15,000 or more in total premium. The Agribusiness Program provides access to specialized account billing, annual account reviews and a Loss Ratio Discount for accounts with a good claims history. If you run a large farming operation and want the personalized attention and service you deserve, ask your local agent for more information on the Agribusiness Program and how it may benefit you.
We also understand that not all farming operations are large enough to qualify for the Agribusiness Program, so the SMART Program is geared toward the smaller South Carolina farmer. The SMART Program is for operations of $10,000 or more in total premium and offers a discount on the Farm General Liability policy. It’s easy to get started and enroll, so ask your local Farm Bureau Insurance agent about the SMART program.
Loss Control and Prevention
Dedicated to protecting you, your farm, your family and your workers, Farm Bureau Insurance will help you assess your coverage needs and identify ways to save money through loss control and prevention. As an added service, Farm Bureau Insurance can provide loss control and prevention inspections at no additional cost. To learn more or to request an inspection with one of our field underwriters, contact your local Farm Bureau Insurance agent.
This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.