Commercial Insurance for Agriculture: Programs Built for Your Operation
TruPoint is a full commercial insurance agency. We place general liability, commercial auto, inland marine, and workers' compensation with underwriting depth in agricultural risk, protecting your land, equipment, products, and people.
Expert Protection
Comprehensive coverage backed by deep industry knowledge
Industry Understanding
We understand agricultural businesses' unique exposures when insuring their operations, property, products, and people.
Comprehensive Protection
From general liability and commercial auto to inland marine and workers' compensation, we align coverage with how your agricultural business actually operates.
Compliance Expertise
We help you meet state workers' compensation requirements for agricultural employers and coordinate coverage across your full commercial program.
Regional Focus
Our regional focus allows us to provide exceptional service tailored to local agricultural needs and requirements.
Protecting Your Most Valuable Assets
At TruPoint, we understand agricultural businesses' unique exposures when insuring their operations, property, products, and people. While property and products are often insured based on their financial value, we believe the people are these businesses' most important assets.
Unfortunately, physically demanding tasks associated with agribusiness, including heavy lifting, prolonged periods of standing, exposure to harsh weather conditions, and operation of machinery, can increase the risk of injuries among workers.
Industry-Leading Protection
According to the U.S. Bureau of Labor Statistics, agriculture is one of the most dangerous industries in the US. Last year, there were 133 fatal work-related injuries to agricultural workers.
Workers' compensation remains essential, and it works best when it sits alongside the rest of your commercial program. We analyze liability, auto, inland marine, and workers' comp together so you get coherent protection, not disconnected policies.
Agricultural Risk Factors
Understanding the unique risks faced by agricultural workers
Heavy Machinery and Equipment
Farming often requires heavy machinery such as tractors, combines, plows, and other equipment. Accidents involving these machines can result in serious injuries or fatalities.
Manual Labor and Physical Demands
Farm work is physically demanding, involving lifting heavy objects, bending, stooping, and working awkwardly. Prolonged physical exertion can lead to musculoskeletal injuries and strains.
Exposure to Hazardous Substances
Agricultural workers may be exposed to various hazardous substances, including pesticides, fertilizers, and chemicals. Prolonged exposure to these substances can lead to health issues, such as respiratory problems, skin conditions, and long-term illnesses.
Weather Conditions
Farm work is often outdoors, exposing workers to the elements. Extreme weather conditions, such as heat, cold, rain, or snow, can contribute to health problems, including heatstroke, hypothermia, and related conditions.
Biological Hazards
Working with animals exposes farm workers to biological hazards. Injuries from handling livestock, bites, kicks, or diseases that can be transmitted from animals to humans are potential risks.
Seasonal and Time-Pressure Factors
Farming activities are often time-sensitive and subject to seasonal deadlines. This can create pressure to work quickly, increasing the risk of accidents due to haste or fatigue.
Isolation and Remote Locations
Farms are often located in rural or remote areas, making it challenging for emergency services to respond quickly in case of an accident. This isolation can delay medical assistance, potentially worsening the outcome of an injury.
Livestock Handling
Handling large and sometimes unpredictable animals poses inherent risks. Even experienced farm workers can face injuries from incidents such as animal kicks, bites, or being knocked over.
Uneven Terrain
Farms may have uneven terrain, including fields, pastures, and rough landscapes. This uneven ground increases the risk of slips, trips, and falls, leading to injuries.
Ready to Protect Your Operation?
Talk with TruPoint about commercial insurance for agriculture, including general liability, commercial auto, inland marine, and workers' compensation.
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