Farming in Florida is not like farming anywhere else. Year-round growing seasons, hurricane exposure, crop-specific pests and disease, and the complex web of regulations around agriculture in a high-population state make farm insurance a specialty product — one that general commercial policies routinely get wrong. Whether you grow citrus, operate a nursery, raise livestock, or run a processing operation, you need coverage that actually understands agriculture.
What Does Farm & Agribusiness Insurance Cover?
- Farm dwelling and outbuildings including barns, silos, and equipment sheds
- Farm machinery and equipment against mechanical breakdown and physical damage
- Livestock — cattle, horses, swine, poultry — against death, theft, and injury
- Crop insurance covering loss from hail, drought, flood, and disease
- Farm liability for injuries to visitors, workers, and agritourism guests
- Agritourism liability for farm stands, U-pick operations, and on-site events
- Commercial agricultural equipment including tractors, harvesters, and irrigation systems
- Hired and seasonal farm worker coverage during peak harvest periods
What the 2022 Hurricane Season Cost Florida Agriculture
Hurricane Ian alone caused an estimated $1.5 billion in Florida agricultural losses — devastating citrus groves, vegetable crops, and livestock operations across multiple counties. Farms without adequate crop or farm property insurance were left bearing those losses entirely out of pocket. Proper coverage before hurricane season is not a luxury in Florida — it is survival planning.
The Difference Between Farm Insurance and Commercial Property
A standard commercial property policy does not cover crops, livestock, farm equipment, or the unique liability exposures that come with agricultural operations. Farm insurance is a specialized product with endorsements tailored to citrus, vegetables, nurseries, and livestock operations. For Central Florida growers, that means coverage that accounts for citrus greening, flooding in low-lying areas, and the liability exposure that comes with farm workers, agritourism, and on-site processing operations.
Get Farm & Agribusiness Insurance in Orlando, Florida
Insure USA, Inc. is an independent agency serving Orlando and all of Florida. We compare Farm & Agribusiness Insurance options from multiple top-rated carriers. Call (321) 235-7377 or request a free quote online.