Farm and Country Estate

Michigan has over 50,000 farms and help contribute $101 billion to the state's economy!

As a farm owner, you chose farming because you're passionate about it. Many small-farm owners believe a homeowners insurance policy provides adequate coverage. However, if you grow and sell a product or raise any kind of livestock, you probably have additional insurance needs not covered by a homeowners policy. This includes coverage for barns and outbuildings, farm animals, equipment or the money you earn from farming.

We understand the unique risks you face as a farm or agribusiness owner. Ensure you’re protected with customized coverages, expert services and safety resources from Top O' Michigan Insurance Solutions. We offer our solutions exclusively through the top insurers of farms who are farm experts and have custom products to fit your specific needs.

What our Farm and Country Estate solution covers

• Home and personal property
• Barns and other  outbuildings
• Farm machinery and equipment
• Death of livestock by accidental shooting, electrocution, wild animals and/or drowning)
• Farm and personal liability including
  • Business activities
  • Accidents caused by livestock
  • Recreational vehicles
  • Products liability
  • Pollution clean-up
  • Employer's liability 
• Farm trucks and vehicles
• Workers Compensation
• Farm Umbrella Liability
• Life and Health Insurance
• Crop insurance available for Yield, Revenue, Catastrophic, Hail and more (through partnership with crop insurance specialists)

Protect your home and farming operations today with a custom solution!

Agriculture Pollution Insurance

When a farm applies fertilizers, pesticides, and manure to their land, they typically have pollution coverage if it runs off and contaminates a neighboring property. 

 But, if runoff from these chemicals damages their own property, they are usually not covered. This is important because many farms have water wells, which can become contaminated. 

Provides agriculture pollution coverage for:

• Clean-up and testing of on-site and off-site of contamination
• Bodily Injury and Property Damage to Third Parties
• Above Ground and Underground Storage Tanks
• Transit Pollution
• Non-owned Disposal Sites
• Natural Resources Damages

Learn more about environmental liability insurance for your farm here.

Potential Environmental and Regulatory Liabilities at Agriculture and Farming Properties

 The most common environmental and regulatory exposures encountered at agriculture and farming properties include the following:

• Improper storage of pesticides and fertilizers, which may lead to surface water, soil or groundwater pollution.
• Normal and routine application of pesticides and fertilizers to fields over several years, which may impair storm water runoff and shallow groundwater.
• Underground storage tanks, which can leak, are used to store heating oil for use in farm residences.
• Cattle excrement that may create elevated fecal coliforms in surface waters that may be used as a source of potable water.
• Electrical transformers on farm property that may contain PCB dielectric fluid.
• Improperly maintained or faulty refrigeration units used for dairy farming resulting in potential contamination from lubricating oils, Freon or ammonia.
• Asbestos-containing materials found in buildings and used as insulation for boilers, piping and steam lines.
• Improper use, storage and disposal of wood preserving chemicals used for treating building supplies, fence posts or lumber produced by small on-site operations.

 This is not an exhaustive list of environmental exposures. It represents the most common environmental exposures for this industry. Tyler Bartosh will work with you to identify environmental exposures that are unique to your business to help you reduce risk. 

Farm and Agribusiness Specialist

Tracy Clothier

• Tracy grew up on a 160-acre farm in Tawas City, MI – The Katterman Family Farm.
• Raised Hereford cattle and her love for farming began along with the love of horses and barrel racing.
• She now owns her own 20-acre farm. She has raised and raced Quarter horses and Paints for over 30 years.
• She has been involved in National Barrel Horse Association (NBHA), IBRA and the 4H community.

Learn more about Michigan's booming agriculture industry at MichiganGrown.org!