Understanding Fruit Farm Insurance: What Every Farm Owner Should Know
- Nate Jones, CPCU, ARM, CLCS, AU
- 8 hours ago
- 3 min read
Running a fruit farm is a rewarding business, but it comes with serious risks. From unpredictable weather to crop disease and costly equipment damage, farm owners must be prepared for the unexpected. Having the right insurance coverage protects your investment, ensures regulatory compliance, and safeguards your long-term profitability.
Here’s everything fruit farm owners need to know about the major insurance coverages that protect their crops, employees, equipment, and vehicles.
Why Fruit Farm Insurance Matters
Fruit farms operate in a high-risk environment. A single storm, pest outbreak, or farm accident can lead to major financial losses. Insurance acts as a safety net against unexpected events that can impact operations.
With proper coverage, you can:
Recover from crop loss or damage
Protect expensive farm equipment
Cover injuries to workers
Reduce liability risks
Keep business operations running smoothly
Without insurance, these challenges can become devastating to your farm’s financial stability.
Essential Fruit Farm Insurance Coverages
Below are the core insurance policies every fruit farm owner should understand and consider for their operation:
General liability insurance protects your farm against claims of bodily injury or property damage caused by your operations.
For example:If a visitor, vendor, or contractor is injured while on your farm, this policy can cover:
✔ Legal defense fees
✔ Medical expenses
✔ Court-ordered settlements
✔ Property repair costs
Your farm’s physical assets represent a huge investment. This policy protects buildings, tools, machinery, and equipment from loss or damage due to:
Fire
Theft
Vandalism
Storm damage
This includes structures like barns, cold storage units, greenhouses, and irrigation systems.
If you employ workers — even seasonally — workers comp is typically required by law. It covers work-related injuries or illnesses, including:
Medical bills
Rehabilitation costs
Lost wages
Having proper coverage protects workers and shields your farm from lawsuits.
Fruit farms often rely on vehicles to transport produce, equipment, and workers. Commercial auto insurance protects against accidents and liability claims involving farm trucks, utility vehicles, and other farm-used automobiles.
Crop insurance protects your farm’s revenue from seasonal risk and unexpected losses due to:
Severe weather
Disease
Pest infestation
Drought or flooding
It provides financial support when yields are impacted and helps stabilize your income.
How to Choose the Right Coverage for Your Farm
Every fruit farm is unique, so you’ll need coverage tailored to your specific risks. Consider:
Your crop types
Farm size
Number of employees
Equipment value
Location and climate
Distribution and transportation needs
Working with a farm-focused insurance provider ensures you’re fully protected — not over- or under-insured.
Get Protected with Wexford Insurance
Wexford Insurance specializes in fruit and vegetable farm insurance, offering customized policies designed for real-world farm operations. Whether you’re growing apples, berries, or citrus, Wexford can ensure your farm is protected from the ground up.
Final Thoughts
Fruit farming is a complex business with unpredictable risks. Understanding your insurance options gives you confidence to invest in new equipment, expand your acreage, or hire additional workers — without worrying about financial setbacks.
With the right insurance coverage in place and a trusted partner like Wexford Insurance, your farm can thrive for years to come.
Contact us today.
