Agricultural Business Insurance and Crop Insurance

Grow today and into the future

The Insurance Center tailors insurance policies specifically for customers whose business is agriculture. We provide solutions and services to protect you, your family, and your business. From buildings to equipment to crops to health, look to The Insurance Center for coverage.

Click on a topic to reveal details.

Life Insurance

Life insurance helps your family:

  • Protect their dreams
  • Keep living comfortably
  • Pay the mortgage, debts, taxes, and other expenses
  • Create a college fund

A sudden loss of income adds to an already difficult situation. We help cover short- or long-term needs through various insurance solutions: Term Life Insurance, Whole Life Insurance, Universal Life Insurance. Start the conversation with your friendly agent at The Insurance Center.

Individual Health Insurance

Health insurance helps with:

  • Injury caused by an accident
  • Outpatient surgery
  • Hospitalization
  • Intensive care
  • Extended care

For people whose livelihoods involve agriculture, finding health coverage can often be frustrating. Don’t let that challenge prevent you from getting the coverage you need. The Insurance Center offers many individual health insurance solutions so you don’t have to worry if you develop a serious illness or suffer an injury.

Supplemental Medical Insurance

Supplemental medical insurance helps if you experience:

Accident—If you’re injured, this benefit helps compensate you for lost income or provides cash to cover deductibles, copays, meals, parking, or other expenses.

Sickness—When unexpected illness strikes, this coverage means you won’t have to worry about missing work or related expenses. Make sure your insurance is healthy.

Cancer—This coverage kicks in when your medical expenses exceed what health insurance covers, which is especially comforting if you have a family history of cancer.

Critical Illness—A serious health condition can hit when you least expect it. Be ready with insurance to help get you healthy again. It can make all the difference as you recover.

Dental—Costs to keep teeth healthy can be significant, especially as you grow older. We’ll help find a plan that keeps you smiling.

Disability—The financial consequences of becoming disabled can be devastating. Insurance is one way to protect you from the worst-case scenario.

Health—If you don’t have an individual health plan, consider supplemental medical coverage.

Dental Insurance

Dental insurance helps with:

  • Regular cleanings, exams, and x-rays
  • Minor dental procedures, such as fillings
  • Major dental work, such as crowns or root canals

Costs to keep teeth healthy can be significant, especially with older people. Our individual dental insurance plans provide preventive coverage and help keep your smile healthy. If you’re self-employed, or if you want to supplement your employer’s group plan, this dental coverage is right for you.

Financial Planning

IRAs—Individual Retirement Accounts were established by the federal government to encourage people to save for their retirement by providing a variety of tax advantages.

Traditional IRA—Contributions up to $4,000 annually may be deductible. There are also larger age 50 and over catch-up amounts.

Roth IRA—For many people, a Roth IRA may offer greater tax savings and withdrawal flexibility than a traditional IRA. Eligibility depends on income.

Simple IRA—Simple IRA plans are retirement vehicles, maintained on a calendar year basis, for small employers (no more than 100 employees earning at least $5,000 for the preceding year), which permits contributions under a qualified salary reduction agreement.

Annuities—Annuities can provide a series of payments that typically start at retirement and continue for the rest of the contract owner’s life. Retirement income payments can begin immediately with the purchase of an annuity or be deferred to some time in the future.

401(k)—A 401(k) plan allows you to postpone receiving a portion of your salary until you retire. You choose the amount of income you’d like to “send to the future,” or defer annually.

Long-Term Care—Long-term care is typically not covered by your health plan or disability coverage. Medicaid does cover long-term care, but only after you have used up your assets paying for care.

Financial planning is essential to securing a level of comfort for you and your family when you retire. The most important steps to a happy retirement are saving and investing your money. We can help you plan for your retirement years with a wide variety of investment vehicles and insurance solutions.

Property Insurance

Agribusiness property insurance helps protect your:

  • Buildings, fence, landscaping, outdoor sign
  • Equipment and furniture
  • Inventory
  • Others’ property

Agribusiness property insurance is one of the most important investments you can make. The Insurance Center understands unique needs of people working in agriculture, so we customize our commercial property insurance policies to fit your needs.

Liability Insurance

Agribusiness commercial general liability insurance offers:

  • Professional liability
  • Fire liability
  • Premises liability
  • Employer’s liability
  • Products and completed operations
  • Medical payments
  • Employee benefits liability
  • Employment-related practices liability

Every agricultural business is unique, but all need protection from an unknown future. No matter how well you’ve planned, an accident will happen eventually. If you’re legally responsible for medical expenses, attorney fees, or damages, be ready with liability insurance.

Workers Compensation Insurance

Agribusiness workers compensation covers:

  • Employee injuries sustained on workplace premises
  • Employee injuries sustained anywhere else while the employee is working
  • Employee injuries sustained from other events while they are working—accidents, violence, natural disasters
  • Illness or disease contracted as a result of employment

Workers compensation coverage is mandatory in most states. Almost all employers in the U.S. must carry this insurance, although benefits vary by state. Speak with an expert from The Insurance Center to determine your obligation regarding workers compensation coverage.

Crop Insurance

Crop insurance can cover:

  • Natural disasters—drought, floods, and hail
  • Insect- or bacteria-related diseases
  • Loss of revenue due to agricultural commodities price declines

Crop insurance, either crop-yield insurance or crop-revenue insurance, allows farmers to customize coverage to reflect your individual losses and your unique yields or risk. Get the income needed to settle forward contracts, or futures and options positions. Our crop insurance helps you stay in business and go on to plant next season.

Business Auto

Agribusiness auto insurance can cover:

  • Damage to someone else’s property
  • Medical payments
  • Collision
  • Comprehensive
  • Substitute transportation
  • Towing and labor
  • Bodily injury (available in Minnesota only)

Large awards for auto liability can devastate a business, so get protected from that always-present danger. You don’t have to make this important decision alone. We’ll customize the right policy to ensure you maintain the proper level of coverage for your particular situation. We have excellent plans available through reputable auto insurers.