Comprehensive coverage for the farms and agricultural operations that define our communities.
Farming is more than a job — it's a way of life. And the risks are real: equipment breakdowns, severe weather, crop losses, and liability exposure that standard homeowners policies simply can't address. Farm insurance is specifically designed for agricultural operations, large and small.
Central Insurance Services has deep experience serving farming families in Kanabec, Isanti, Pine, and Chisago counties in Minnesota, and throughout western Wisconsin. We understand the specific needs of row crop farmers, livestock operations, and hobby farms alike.
From corn and soybeans to dairy herds and hobby farms, we understand the operations we insure.
Minnesota's spring storms, hail, and early frosts pose serious risks to crops and structures. We ensure your coverage limits reflect the real cost of rebuilding and restoring your operation.
A breakdown during planting or harvest can cost tens of thousands of dollars in lost productivity. Equipment coverage and breakdown riders protect your machinery investment.
Public visits, hired labor, and farm equipment operation all create liability exposure. Farm liability coverage protects you from lawsuits and medical claims.
Farming operations that straddle the MN/WI border are common in our region. David is licensed in both states, making cross-border coverage simple.
Usually not. Standard homeowners policies have strict limits on business activity, farm equipment, and livestock. Even a small hobby farm typically benefits from a dedicated farm policy. We can review your situation and recommend the right coverage level.
Farm policies typically cover farm equipment during agricultural use. For liability on public roads, you may need a commercial auto endorsement or separate policy. We'll make sure your coverage has no gaps.
Yes. Farm policies can include coverage for harvested grain in storage facilities (bins, elevators) and, in some cases, growing crops. Separate crop insurance through federal programs may also be available depending on your crops and acreage.