Mountain Plains Agency, Inc.

Farm & Ranch Insurance

Farm Insurance

For more than 13 years, we have had a strong focus on helping farmers in Northern Colorado and throughout the surrounding areas to protect their ranches, crops, and cattle. At Mountain Plains Agency Inc, we believe that, in order to run a successful farm, you should view safety measures as an opportunity to protect your employees and keep your daily ranch operations uninterrupted. With the extensive knowledge our team has of this business, we are able to provide the right farm or ranch insurance coverage to do just that.

Coverage Details

Over the years, agriculture has changed with the advancements in technology, best practices, and equipment. While all of these have helped the industry evolve, they also bring forth potential risks.

Our farm insurance coverage options include:

  • Farm Liability

  • Pollution Liability

  • Custom Spraying Liability

  • Custom Harvesting Liability

  • Building and Equipment Coverage

  • Workers’ Compensation

  • Business/Farm Auto

  • Umbrella Liability

Insurance For Your Farm Or Agricultural Business

We understand that a farm can be much more than a place of business; it can also be your home. That’s why it’s so important to ensure that what you’ve worked to build is protected. Whether you operate a small hobby farm, a big dairy farm, or a complex grain operation, we offer farm and agricultural insurance programs that will meet your unique needs.

Our insurance company has worked with a wide range of agricultural businesses, including:

  • Hobby farmers

  • Grain and rice growers

  • Vegetable and row crop growers

  • Wineries and vineyards

  • Berry growers

  • Cotton and field crop growers

What Does Farm & Ranch Insurance Policies Cover?

Similar to a homeowners insurance policy, a farm and ranch insurance policy will cover your home, personal property, liability, and any additional living expenses. Since ranchers and farmers tend to work and live on the same premises, these policies are often a hybrid between homeowners and commercial insurance. Some examples of what can be covered under farm insurance include:


Farm insurance provides liability protection, which can help protect employees and workers on your property. This protection plan often covers bodily injury, medical expenses, and property damage. It’s important to note that liability coverage is not an option for every farm insurance policy due to the risks at hand.


As you likely already know, when a large piece of farming equipment breaks down, it can cost an arm and a leg to fix. Farm insurance can protect the policyholder from financial loss when things like tractors, combines, planters, and field equipment break.


If you use fertilizers, pesticides, and herbicides on your property, you may want to look into pollution liability protection insurance. These chemicals can carry serious risks when it comes to pollution hazards, which can increase the likelihood of liability claims down the line. A pollution liability policy may cover the following instances:

  • Bodily injury and property damage for sudden and non-sudden pollution incidents resulting in environmental damage.

  • Damage to a neighbor or their property due to an over-spray of chemicals.

  • Illness to a neighbor due to contaminated groundwater, resulting from fertilizers used on your farm.


Mountain Plains Agency, Inc. has been helping farm and ranch owners protect their property for more than 13 years. With extensive knowledge in farm insurance options, we can help you find the perfect coverage for your property.

Learn more about our insurance agency online or contact our team with any questions! As a local insurance agency, we make it a point to connect with our customers on an individual basis to assess their needs and mitigate potential risks that may impact their business. Get your farm insurance quote today!

Additional coverages to consider for your farm and ranch insurance policies include livestock transportation, farm structures, swimming pool liability, and higher limits for personal property and legal defense costs.

Our experienced agents can help insure your ranch operation against the unique risks it faces. Contact us to discuss how we can protect your ranch with the right insurance coverages. Don’t let an uncovered claim put your farm or ranches at risk – get a farm and ranch insurance quote from our agents today.

Get A Quote Today!