Farm Coverage From People Who Understand Farms
Vermont farms don't fit a standard policy template — and we don't try to squeeze them into one.
Personal Insurance Built Around What You Actually Own
We work with farmers across northern Vermont and the Northeast Kingdom every day, covering everything from working barns and aging equipment to livestock and maple operations. Ryan Moore, our agency owner, runs his own maple operation. That's not a talking point — it's the reason we ask the right questions when we're reviewing your farm coverage.
With access to 14 carriers and agents who specialize specifically in farm lines, we can find coverage that actually fits how your operation runs, not how an underwriter imagines it might.
Four Areas Where Farm Coverage Gets Specific
Farm risk doesn't fit neatly into one policy. These four coverage areas each have their own subpage — because each one has its own set of questions worth answering.
Commercial Auto Insurance
Business vehicles need more than a personal auto policy. We cover fleets, work trucks, and commercial vehicles of all kinds.
Farm & Barn Property Insurance
Your barn, outbuildings, and farm structures need coverage that accounts for what they actually are — not what a residential policy thinks they are. We cover farm property from the ground up, including older structures that standard carriers often won't touch.
Farm Equipment & Tools Insurance
A broken tractor at the wrong time of year can set a whole season back. We cover farm equipment and tools against mechanical breakdown, collision, and theft — with carriers who understand that equipment values on a working farm don't follow a simple depreciation schedule.
Farm Animal & Livestock Insurance
Whether you're running a dairy herd, raising beef cattle, or keeping smaller animals, livestock represents real financial exposure. We help you understand what mortality and loss coverage looks like for your specific animals and operation size.
Maple & Sugarhouse Insurance
Maple operations carry risks that general farm policies often overlook — sugarhouse fires, equipment loss mid-season, and liability tied to on-site visitors or retail sales. Ryan runs his own sugarbush, so when we talk about this coverage, we're not reading from a brochure.
Farm Liability: What It Covers and Where It Matters
Farm liability insurance covers your legal responsibility if someone is injured on your property or if your operation causes damage to a neighboring property. This includes workers, visitors, delivery drivers, and in some cases, members of the public who access your land.
Farm liability is typically included as part of a broader farm policy, but the limits and exclusions vary significantly by carrier. We review your specific situation — acreage, activity type, on-farm visitors, equipment use — and make sure your liability coverage reflects what you actually do.
Does Farm Insurance Cover What You Sell?
If you sell products directly — at a farmers market, a roadside stand, a sugarhouse open house, or through a CSA — farm products liability is a coverage question worth asking directly. A standard farm policy may not extend to injury or illness claims tied to products you sell off the farm.
Farm products liability coverage addresses this gap. We include this as part of every farm coverage review, because more Vermont farmers are selling directly than ever before, and the exposure is real. If you're selling what you grow or make, we make sure that activity is accounted for in your policy.
What Does Farm Insurance Cost in Vermont?
Farm insurance pricing in Vermont depends on several factors: the size and age of your structures, the type and value of your equipment, the number and species of animals you carry, whether you have on-farm retail activity, and the liability limits you need.
There's no single number that applies to every operation. A small hobby farm with a single outbuilding looks very different from a working dairy or a maple operation with a retail sugarhouse. We've put together a dedicated page that walks through what actually drives farm insurance pricing in Vermont — so you can come to the conversation with a realistic baseline.
We also offer divorce mediation as an alternative path.
Why Independent Agents Make a Difference for Farm Coverage
Most captive agents represent one carrier. We work with 14. That matters for farm coverage because farm policies vary more across carriers than almost any other line — in what they cover, what they exclude, and how they handle claims.
When we shop your farm coverage, we're comparing actual policy language across multiple carriers, not presenting you with the only option available to us. And because we have two staffed offices in Derby and Barton, you're working with agents who know this region — the land, the operations, and the way farms here actually run.
Covers You for a Set Period of Time
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Access to 14 carriers for genuine market comparison
Agents who specialize in Vermont farm lines
Agency ownership with hands-on maple production experience
Covers You for a Set Period of Time
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Term life insurance is designed to provide coverage for a specific number of years, often aligned with major financial responsibilities.
Two physical offices in Derby and Barton, VT
Coverage for property, equipment, livestock, maple operations, liability, and farm products
Common Questions About Personal Insurance
Common Questions About Vermont Farm Insurance
Does my homeowners policy cover my farm?
In most cases, no. A standard homeowners policy is designed for residential property and personal liability — it excludes or severely limits coverage for farm structures, equipment, livestock, and any commercial agricultural activity. If you're operating a farm, even a small one, a dedicated farm policy is almost always necessary to cover your actual exposure.
Does farm insurance cover liability if someone gets hurt on my property?
Yes, farm liability insurance is designed to cover bodily injury and property damage claims arising from your farming operations. This includes injuries to workers, visitors, and in some cases members of the public. The specific limits and conditions depend on your policy, which is why we review your operation in detail before recommending coverage.
Does farm insurance cover liability for products sold at farmers markets?
Not automatically. Farm products liability is a specific coverage that extends your protection to claims tied to products you sell directly to consumers — at a farmers market, roadside stand, sugarhouse, or similar venue. We address this as a standard part of our farm coverage review for any client with direct sales activity.
How much does farm insurance cost in Vermont?
Pricing varies based on your structures, equipment, livestock, liability needs, and whether you have on-farm retail activity. A small operation with minimal structures will cost considerably less than a working farm with significant equipment and a retail component. Our farm insurance cost page walks through the key pricing factors in plain terms.
Can you cover a maple operation separately from the rest of the farm?
Yes. Maple and sugarhouse coverage can be structured as a standalone policy or as part of a broader farm package, depending on your operation. We cover sugarhouse structures, equipment, liability for on-site visitors, and farm products liability for retail maple sales. Our agency owner runs his own maple operation, so this is coverage we know from the inside.
Get a Farm Insurance Quote in Vermont
Whether you're running a working farm, a maple operation, or something in between, we'll put together coverage that fits what you actually have. Reach out by phone, stop by one of our offices in Derby or Barton, or start with a quote online.