Commercial Farms & Ranches
Operational coverage for working land
Alcorn Insurance Texas designs commercial farm and ranch insurance in Texas for active operations—cattle, hay, row crops, and mixed-use acreage. From Georgetown to the Hill Country, we coordinate property, liability, equipment, and crop coverages so weather, markets, and road miles don’t derail your season.
What your policy can cover
Farm & ranch liability
On-premises and operations liability, including guests, gates, and roadway exposures.
Farm equipment
Tractors, balers, implements, and irrigation—scheduled on and off premises.
Livestock options
Blanket or scheduled coverage for higher-value animals; causes of loss vary by carrier.
Business interruption
Income and extra expense after a covered loss that halts operations.
Dwellings & outbuildings
Farmhouse, secondary residences, barns, shops, and fencing.
Crop insurance
Multi-peril and hail options to address drought, hail, and yield shortfalls.
Business auto
Farm trucks and trailers; endorsements for ag plates and seasonal use.
Inland marine
Mobile equipment, pumps, and portable corrals between locations.
Local insight
Built for Central Texas operations
From pastures near Berry Creek to leased acreage outside Liberty Hill, we right-size wind/hail deductibles, schedule machinery, and align liability where livestock and county roads meet. We connect ranch insurance, farm equipment insurance, and crop insurance so dwellings, implements, and yields are coordinated—not double-covered or overlooked.
Commercial farm & ranch FAQs
Can I combine my farmhouse and ag operations on one policy?
Yes—a ranch package can pair dwelling coverage with farm liability and scheduled equipment.
Do I need commercial auto for farm trucks?
If titled to the operation or used on public roads for work, a business auto policy is the safer route.
How are tractors valued—agreed or ACV?
Many carriers schedule major equipment for agreed value; we’ll compare forms and depreciation rules.
Will farm liability cover a roadside produce stand?
Sometimes—retail sales or agritourism may require endorsements. We’ll outline options for farmstands and U-pick events.
When do crop insurance deadlines hit?
Enrollment windows are time-sensitive by crop and county. We’ll track dates and help with acreage reporting.
