How to Get Dairy Farm Insurance for Your Milking and Herd Operations
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 hours ago
- 2 min read
Running a dairy farm is rewarding, but it comes with significant risks. From herd health and milking equipment to liability and regulatory compliance, a single incident can disrupt operations and revenue. Proper dairy farm insurance safeguards your livelihood. Here’s a step-by-step guide to getting the right coverage.
Step 1: Evaluate Your Farm’s Risks
Begin by identifying potential hazards unique to your operation. Key areas to assess include:
Herd size, value, and health risks
Milking and refrigeration equipment
Feed storage and barns
Employee safety and liability exposures
Environmental compliance and regulatory risks
Documenting these factors provides insurance providers with a clear picture of your farm, helping them recommend tailored coverage. The USDA’s Risk Management Agency offers useful resources to evaluate farm risks and improve safety practices.
Step 2: Gather Essential Farm Information
Insurance providers will request detailed information about your operation. Prepare:
Livestock records and vaccination history
Property valuations, including barns and silos
Equipment lists with maintenance schedules
Prior insurance claims or incidents
Organized records not only speed up the application process but also ensure you receive accurate quotes and appropriate coverage levels.
Step 3: Research Experienced Providers
Not every insurance company understands the complexity of dairy operations. Look for agencies specializing in agricultural insurance. Trusted sources include:
Wexford Insurance, which offers comprehensive dairy farm coverage
National agricultural associations like the National Milk Producers Federation
Local brokers familiar with regional regulations and farm needs
Step 4: Request and Compare Quotes
Contact multiple providers to compare coverage options, premiums, and exclusions. Ensure policies protect:
Livestock against death, injury, or disease
Farm property and equipment, including milking systems
Liability for employees, visitors, and product-related incidents
Workers’ compensation if you employ farmhands
Step 5: Review and Finalize Your Policy
Carefully examine policy terms to confirm that all essential areas are covered. Once satisfied, finalize the policy and maintain regular updates as your herd size or equipment inventory changes. A well-structured insurance plan reduces financial risk and provides peace of mind.
For a customized solution, reach out to Wexford Insurance for a personalized dairy farm insurance quote. Their expertise ensures your herd, equipment, and farm operations are fully protected so you can focus on growing your business.
