Farming carries risk that doesn’t fit into a standard homeowners or commercial policy — equipment, livestock, outbuildings, and crops all need coverage built around how your operation actually runs. McBane Insurance works with Ohio farm families to build protection around the whole operation, not just the house on the property.
Every farm operation is different — a row-crop grower, a dairy, a beef cattle operation, and a small hobby farm all face very different exposures, even though they might all get quoted the same generic policy elsewhere. McBane Insurance has been insuring Ohio Valley farm families since 1900, and we build farm and crop coverage around how you actually operate — the land you work, the equipment you run, the livestock you raise, and the season you’re in.
Farm operations blend personal property, business property, liability, and specialty exposures into one program. Here are the coverages we most often build into a farm client’s policy — we’ll walk through which of these you actually need based on your operation.
Your farm dwelling, outbuildings, barns, silos, grain bins, and machine sheds each need to be scheduled correctly. We help you value them at replacement cost — not depreciated cash value — so you’re not underinsured after a fire, wind, or lightning loss.
Tractors, combines, planters, sprayers, skid steers, ATVs, and specialty equipment are all covered under scheduled farm equipment coverage. We’ll help you decide what needs to be listed individually versus covered under a blanket limit, and make sure newly purchased equipment gets added before it hits the field.
Livestock coverage protects against death or injury from named perils — lightning, drowning, fire, collapse, collision, and more. We write coverage for cattle, dairy, swine, sheep, goats, poultry, and horses, and can structure it as blanket coverage or per-head based on your operation.
Farm liability is broader than a homeowners liability endorsement and protects you against injury or property damage claims arising from your farming operation — including custom farming work, employee incidents, and even injuries to visitors on your property. We’ll match the limits to the actual size and exposure of your operation.
Federal MPCI protects your yield or revenue on covered crops against weather, disease, pests, and other insurable causes of loss. Crop Hail is a separate policy that covers hail and fire damage to standing crops. Deadlines matter — MPCI signup dates are set by USDA/RMA — so getting your quote in early is critical. We help you compare private-market crop hail options alongside your federal MPCI.
Farm-plated pickups, grain trucks, and service vehicles need commercial or farm auto coverage — a personal auto policy usually excludes farming use. We build farm auto programs that match how the vehicles are actually used, seasonally or year-round.
If you have hired hands — even seasonal — Ohio typically requires workers’ compensation coverage through the Ohio BWC. We help coordinate that alongside farm liability so employment-related exposures are actually covered.
We’ve been family-owned and independent since 1900, with offices in Bergholz, Carrollton, and Wintersville serving farm operations across the Ohio Valley. You get a local agent who understands agriculture in this region — the crops actually grown here, the weather patterns, the equipment dealers, and the specific carriers who compete for Ohio farm business. And when a claim happens — a barn fire, a hail loss, a downed silo — we’re the ones who answer the phone.
Whether you farm 5 acres or 5,000, run a few head of cattle or a full dairy, we’ll put together a proposal built around how your operation actually runs — with the coverage limits, endorsements, and carrier that fit best.
A standard homeowners policy generally excludes farming activity, farm outbuildings, farm equipment, livestock, and any liability arising from a farming operation. Even a small hobby farm usually needs a farm policy or a farm endorsement to be properly covered.
Many farm lenders require MPCI on financed crops as part of the loan terms. Even when it’s not required, MPCI and Crop Hail are the two tools that keep a bad weather year from turning into a bad financial year. We’ll help you compare your options.
MPCI signup dates are set by USDA/RMA and vary by crop and county. For most Ohio corn and soybean growers, spring crops must be enrolled by March 15. Contact us well before the deadline so we can review options and get your application in on time.
Yes. Even if you don’t own the land, you need coverage for your equipment, your livestock, your crops in the field, and the farm liability that comes with operating the ground. Landlord/tenant policies rarely cover a tenant farmer’s exposures.
Yes. Hobby farms and small acreages need a farm policy or a properly endorsed homeowners policy — not just a standard homeowners policy. We write coverage for operations of every size.
Whether you farm 5 acres or 5,000, run a few head of cattle or a full dairy, we’ll put together a proposal built around how your operation actually runs — with the coverage limits, endorsements, and carrier that fit best.