What you've built & own.
- 01Dwellings and private structures
- 02Scheduled personal property
- 03Stables, arenas and outbuildings
- 04Farm equipment and machinery
- 05Trailers and tack
Farm & Ranch Insurance
Property and liability coverage, written for the way equine operations actually run.
On this page
From hobby farms to commercial equine operations including cattle farms. One policy schedule covering your home, outbuildings, tack, and farm equipment — with liability options that include boarding, breeding, lessons, clinics, therapeutic riding, and everything in between.
What we cover
Property & liability written for the way horse operations run.
Who you let through the gate.
- 01Personal and hobby farms
- 02Boarding, breeding and training operations
- 03Riding lessons and independent instructors
- 04Farriers and equine services
- 05Therapeutic riding programs
- 06Camps, clinics, events and horse shows
Why Bascule for Farm & Ranch
Underwritten by professionals who understand farming because they live it.
Three trust-points. Most farm carriers underwrite to a generic agricultural template — that's not what an equine operation needs at claim time.
Equine-specific underwriting.
Most farm carriers underwrite to a generic agricultural template. Ours doesn't — we know what a working tack room costs, what a competition arena floor is worth, and what a riding-lesson liability policy actually needs to look like.
Policy enhancements available.
Account-specific enhancements at the underwriter's discretion — talk to your agent about what's possible for your operation. We'd rather build the policy around the business than force the business into the policy.
Discounts for eligible accounts.
Multi-line accounts — mortality plus Farm & Ranch often qualify for discounts. Worth asking your agent before you place a single line in isolation.
Who is & isn't eligible
Sets the underwriting expectation early.
For agents: this saves a phone call. For owners: this tells you whether to start the conversation.
Eligible
Standard appetite
- Boarding, training and lesson facilities
- Breeding farms
- Therapeutic riding programs (human-only)
- Hobby farms — horses or cattle
Both. Many of our clients carry a Bascule mortality policy and add Farm & Ranch on top, but Farm & Ranch can be written as a standalone product through any of our independent agents.
Talk to your agent. Mid-term endorsements are routine — adding a new arena, taking on a boarder, expanding into lessons.
We'd rather hear about a change than discover it at claim time.
Yes — for human-only therapeutic riding programs in select states. Available to operations with W-2 employees. Your agent will confirm state availability.
Get a quote
Find a Bascule-appointed agent near you, or talk to us directly.
Farm & Ranch is written through our independent agents. Call us and we'll connect you to the agent nearest your operation. Emergency claims answered 24/7 on the main line.