Agriculture Insurance for California Growers.

USDA's Risk Management Agency offers federal multi-peril crop insurance through approved insurance providers — covers crop loss from natural causes (drought, freeze, hail, fire, etc.). Premium is federally subsidized. Available for many California crops but not all. We help growers determine eligibility and structure federal coverage alongside private products.

For crops not covered by federal programs (some specialty crops, cannabis, certain vegetables), private market crop insurance fills the gap. Premiums are higher than federal but the coverage exists where federal won't write. We have specialty market access for California specialty crops.

Standard GL completely excludes pollution. Ag operations use chemicals (pesticides, fertilizers, fungicides), generate animal waste, store fuel — all pollution exposures. A spill, drift onto a neighbor's property, water contamination — these are real claim categories. Pollution liability covers them specifically.

Wineries with tasting rooms, farms with U-pick operations, ranches with event venues — all create premises liability that goes beyond typical ag exposure. Visitors injured on the property, alcohol-related incidents at tasting rooms, vehicle access on rural roads — these need higher liability limits and often specific agritourism endorsements.

Federal illegality of cannabis means most standard insurance carriers won't write any cannabis exposure. Cannabis-specific surplus lines markets exist and have developed sophisticated underwriting — but premiums are 2-3x higher than comparable non-cannabis operations, and policy language requires careful review. We've placed coverage for cultivation, manufacturing, distribution, delivery, and retail cannabis operations.

Coverage for claims arising from your finished product after it leaves your control. A consumer claims your wine caused illness, a cannabis product allegedly caused injury — products liability is what defends and pays. Required by most retail distribution agreements, often required by license terms.

Farm vehicles used on public roads need commercial auto. Equipment used only on the farm property may be covered under farm property policies. Trucks hauling product to market, equipment to other locations, employees to job sites — all need appropriate auto coverage. We structure commercial auto for the actual vehicle use pattern.

Standard ag property generally covers wildfire. California wildfire experience has caused some carriers to non-renew in higher-risk zones or add specific exclusions. We confirm wildfire coverage at every renewal and move to wildfire-capable markets when standard carriers pull back.