Farm Umbrella

What if you were sued for a million dollars? It seems everyone’s at risk of facing a lawsuit these days. We’ll help make sure you’re prepared financially.

Higher coverage amounts for liability

You work hard for what you have. We can help protect your hard-earned assets even further.
While you have liability coverage on your farm and auto policies, you may need more if you're sued.
In today's society, lawsuits are occurring with alarming frequency.
We're here to protect your farm and personal assets as well as your future earnings.

Expect the unexpected

State Auto Farm Umbrella insurance is there to protect your farm or ranch from unexpected and catastrophic claims.
You are responsible for any judgement beyond your farm and auto liability limits. A farm umbrella policy can help protect your family's livelihood.

Higher coverage amounts for liability

- You work hard for what you have. We can help protect your hard-earned assets even further.
- While you have liability coverage on your farm and auto policies, you may need more if you're sued.
- In today's society, lawsuits are occurring with alarming frequency.
- We're here to protect your farm and personal assets as well as your future earnings.

Expect the unexpected

- State Auto Farm Umbrella insurance is there to protect your farm or ranch from unexpected and catastrophic claims.
- You are responsible for any judgement beyond your farm and auto liability limits. A farm umbrella policy can help protect your family's livelihood.

Workers' Compensation

We can help you keep workers safe and healthy – and your workers’ compensation costs down.

Workers’ compensation programs to fulfill your obligations as an employer

Focus on helping employees return to work in good health as quickly as possible

Guidance and resources to improve safety controls that reduce workplace injuries

Protecting your workers and your business

Your business relies on healthy, productive workers to thrive.
The team at State Auto understands the true impact of an injured worker.
Our workers' compensation program is not just about numbers.
It's about keeping your people healthy, helping them recover faster and helping your business get back to normal in less time.

Protecting your workers and your business

- Your business relies on healthy, productive workers to thrive.
- The team at State Auto understands the true impact of an injured worker.
- Our workers' compensation program is not just about numbers.
- It's about keeping your people healthy, helping them recover faster and helping your business get back to normal in less time.

Farm Auto

You might be driving into town for spare parts or delivering a semi load of cattle to market. Either way, we’ve got you covered with our farm auto insurance.

Work with a local agent who understands your community and your business

Coverage for the unique auto risk faced by farms and ranches

Insurance for a wide variety of vehicles

Protection for vehicles used in farming

We provide an auto policy tailored to your farm needs.
We understand some farm vehicles only have occasional use so we offer discounts based on annual mileage through Ag Smart 360^℠.
Our Farm Auto policy can cover your grain trucks, semis, trailers, pick-ups, cars and even motorhomes and motorcycles.

Wide variety of vehicle types in modern farming

Our program is designed to cover today's farm needs whether you have cars, pick-up trucks, grain trucks, semis or trailers.
We offer coverage for livestock trailers, horse trailers with living quarters, and even motorhomes and motorcycles.
We can also accommodate some limited hauling for hire and support some federal and state filings.

Currently Enrolled in Ag Smart 360?

Protection for vehicles used in farming

- We provide an auto policy tailored to your farm needs.
- We understand some farm vehicles only have occasional use so we offer discounts based on annual mileage through Ag Smart 360^℠.
- Our Farm Auto policy can cover your grain trucks, semis, trailers, pick-ups, cars and even motorhomes and motorcycles.

Wide variety of vehicle types in modern farming

- Our program is designed to cover today's farm needs whether you have cars, pick-up trucks, grain trucks, semis or trailers.
- We offer coverage for livestock trailers, horse trailers with living quarters, and even motorhomes and motorcycles.
- We can also accommodate some limited hauling for hire and support some federal and state filings.

Currently Enrolled in Ag Smart 360?

Commercial Umbrella

You don’t want to run out of insurance coverage while you’re in the middle of defending a lawsuit. We can help.

When your business needs more than the standard liability coverage

Expert guidance to make sure you are protected in the worst case scenario

An agent who partners with you and the underwriters to provide the right liability solution

Lawsuits are on the rise

It's hard to predict when your business may face a major lawsuit.
Bad things can happen even if your business is successful and well managed.
And more people are suing companies today, especially if they feel they have been wronged.
State Auto commercial liability insurance is there to protect your businesses from unexpected and catastrophic claims.

Liability coverage that goes above and beyond

It's called an "umbrella" because it's an extra layer of protection above your main liability policies, such as commercial liability and business auto policies.
If your business is defending a lawsuit and the limits on these policies are used up, the commercial umbrella policy is designed to pick up where the others leave off.

Lawsuits are on the rise

- It's hard to predict when your business may face a major lawsuit.
- Bad things can happen even if your business is successful and well managed.
- And more people are suing companies today, especially if they feel they have been wronged.
- State Auto commercial liability insurance is there to protect your businesses from unexpected and catastrophic claims.

Liability coverage that goes above and beyond

- It's called an "umbrella" because it's an extra layer of protection above your main liability policies, such as commercial liability and business auto policies.
- If your business is defending a lawsuit and the limits on these policies are used up, the commercial umbrella policy is designed to pick up where the others leave off.

Tips for talking with your agent

Consider the impact to your business if a legal case is prolonged.
How much coverage might you need to pay for defense costs?
Make sure your agent is aware of all policies you have (it may be best to have all insurance for your business with one agent).

Find a local Agent

Farm and Ranch

Your farm or ranch is your livelihood and your home. We’ll help make sure you have comprehensive protection for both.

Protect your substantial investment in buildings and machinery

Local agents who know your community and your business

Expert help with risk management practices

Your farm or ranch is your livelihood and your home. We’ll help make sure you have comprehensive protection for both.

Covers both your residence and farm buildings.
Addresses unique needs of the farm and ranch industry.
Local agents will partner with you to build your insurance program.

Insurance customized for your farming business

We insure small acreage hobby farms to full time family farming businesses.
Our insurance program protects your buildings and machinery from unexpected loss or damage.
We understand that today's farming operation demands a constant cash flow.
Our program offers optional add-on's to protect your cash flow if your business loses money it would have made if the loss hadn't happened.

Protection for your family home

If your family and your farm are together, your insurance should be, too.
State Auto's farm and ranch policy combines the protection every home needs with special coverage just for farm residences.
You can also choose from options to tailor the policy to your specific situation.

Protection for your livelihood

Whether you have horses, livestock, hogs, poultry, or grain, we've got you covered.
Our insurance program automatically covers cab glass and rock ingestion for farm machinery.
State Auto's farm and ranch policy covers farmers markets on premises as well.
We also offer optional coverages to customize your policy with livestock suffocation, milk contamination, contract grower's and many more.

We share your values

We want to get to know you and your farm operation.
Our goal is to protect what matters most to you.
Many of our team members grew up on farms; some are farmers just like you.

Farm and auto are better together

Don't miss out on the benefit of having your farm and auto insurance with State Auto.
Protect your hard-earned assets even further with a Farm Umbrella policy.

Your farm or ranch is your livelihood and your home. We’ll help make sure you have comprehensive protection for both.

- Covers both your residence and farm buildings.
- Addresses unique needs of the farm and ranch industry.
- Local agents will partner with you to build your insurance program.

Insurance customized for your farming business

- We insure small acreage hobby farms to full time family farming businesses.
- Our insurance program protects your buildings and machinery from unexpected loss or damage.
- We understand that today's farming operation demands a constant cash flow.
- Our program offers optional add-on's to protect your cash flow if your business loses money it would have made if the loss hadn't happened.

Protection for your family home

- If your family and your farm are together, your insurance should be, too.
- State Auto's farm and ranch policy combines the protection every home needs with special coverage just for farm residences.
- You can also choose from options to tailor the policy to your specific situation.

Protection for your livelihood

- Whether you have horses, livestock, hogs, poultry, or grain, we've got you covered.
- Our insurance program automatically covers cab glass and rock ingestion for farm machinery.
- State Auto's farm and ranch policy covers farmers markets on premises as well.
- We also offer optional coverages to customize your policy with livestock suffocation, milk contamination, contract grower's and many more.

We share your values

- We want to get to know you and your farm operation.
- Our goal is to protect what matters most to you.
- Many of our team members grew up on farms; some are farmers just like you.

Farm and auto are better together

- Don't miss out on the benefit of having your farm and auto insurance with State Auto.
- Protect your hard-earned assets even further with a Farm Umbrella policy.

Tips for talking with your agent

Share how your farm works - what you produce and how.
Provide an inventory of your owned or rented locations, farm buildings, and machinery.
Tell us about any individuals, partnerships, or corporations that have an interest in your farm operation.

Find a local Agent

Business Liability

You have investments and people to protect. We have the expertise to get it done.

Knowledge of general liability protection to cover the basics

Deep knowledge of the protection different types of businesses need

Local agents who will work with you one-on-one to get you covered

Liability that most businesses face

The insurance industry calls this category "general liability."
These are the types of liability most commercial operations of any size will face. The risk that someone will get hurt at your location. The risk that your product or service will cause someone harm. The risk that your business is found negligent in a court case.

Different operations, different liability

Beyond the general liability category, State Auto has options that are more specific based on how your business runs.
You'll need to take a critical eye to each area of your business operation.
Do you handle sensitive data for your customers?
What are your employees doing, and what might go wrong?
Your best approach is to work closely with your insurance agent to examine what specific situations you might face.

Preparing for extreme cases of business liability

Most businesses today need another layer of protection against liability.
You can't read the news today without seeing a story about a business facing catastrophe - a product recall, a fatal accident caused by one of their drivers, a major lawsuit.
This is where commercial umbrella protection comes in. It gives you higher amounts of coverage in case your worst-case scenario happens.

Liability that most businesses face

- The insurance industry calls this category "general liability."
- These are the types of liability most commercial operations of any size will face. The risk that someone will get hurt at your location. The risk that your product or service will cause someone harm. The risk that your business is found negligent in a court case.

Different operations, different liability

- Beyond the general liability category, State Auto has options that are more specific based on how your business runs.
- You'll need to take a critical eye to each area of your business operation.
- Do you handle sensitive data for your customers?
- What are your employees doing, and what might go wrong?
- Your best approach is to work closely with your insurance agent to examine what specific situations you might face.

Preparing for extreme cases of business liability

- Most businesses today need another layer of protection against liability.
- You can't read the news today without seeing a story about a business facing catastrophe - a product recall, a fatal accident caused by one of their drivers, a major lawsuit.
- This is where commercial umbrella protection comes in. It gives you higher amounts of coverage in case your worst-case scenario happens.

Tips for talking with your agent

Prepare to examine everything that happens - or could happen - in your daily operation.
Your agent may need to visit your business to witness first-hand how things run.
Remember, this is your chance to protect your business from the things that keep you up at night.

Find a local Agent

Farm Umbrella

Higher coverage amounts for liability

Expect the unexpected

Higher coverage amounts for liability

Expect the unexpected

Tips for talking with your agent

Resources for Farm Umbrella

Combine fires account for many of our harvest losses each year contributing to lost time and potential yield loss.

The leading cause of death in grain bin accidents is suffocation. When grain is moving inside a bin, it acts like quicksand and can quickly bury anyone inside.

As a farmer, you continually look for ways to increase crop production and yield. Protecting your crop and supplying those crops with vital nutrients is a key component to increasing yield.

Our Farm and Ranch policy provides coverage for private detached structures.

Featured Resources

Combine fires account for many of our harvest losses each year contributing to lost time and potential yield loss.

The leading cause of death in grain bin accidents is suffocation. When grain is moving inside a bin, it acts like quicksand and can quickly bury anyone inside.

As a farmer, you continually look for ways to increase crop production and yield. Protecting your crop and supplying those crops with vital nutrients is a key component to increasing yield.

Our Farm and Ranch policy provides coverage for private detached structures.

Learn more about our other insurance

Insurance customized for your farming business

Tailored auto coverage for farming

Workers' Compensation

Protecting your workers and your business

Protecting your workers and your business

Tips for talking with your agent

Workers Compensation Resources

You can take simple steps at your business to help prevent someone from a slip, trip or fall.

Machinery accidents are more common than you think. Train workers to lockout the main switch and tag it. Every time.

Many own a ladder, but it seems many aren't following ladder safety protocols.

Back injuries are such a common event that training is regularly given on the appropriate way to lift and carry a load, and yet workers continue to be injured.

An office workplace design should meet the needs of the business and protect workers from ergonomic strain.

Workers should shift positions frequently, remember to blink while working at a monitor screen, and vary work routines so that they can maintain their best health.

Featured Resources

You can take simple steps at your business to help prevent someone from a slip, trip or fall.

Machinery accidents are more common than you think. Train workers to lockout the main switch and tag it. Every time.

Many own a ladder, but it seems many aren't following ladder safety protocols.

Back injuries are such a common event that training is regularly given on the appropriate way to lift and carry a load, and yet workers continue to be injured.

An office workplace design should meet the needs of the business and protect workers from ergonomic strain.

Workers should shift positions frequently, remember to blink while working at a monitor screen, and vary work routines so that they can maintain their best health.

Related Products

You don’t want to run out of insurance coverage while you’re in the middle of defending a lawsuit. We can help.

We’ll help you keep your people safe and your business up and running.

Farm Auto

Protection for vehicles used in farming

Wide variety of vehicle types in modern farming

Currently Enrolled in Ag Smart 360?

Protection for vehicles used in farming

Wide variety of vehicle types in modern farming

Currently Enrolled in Ag Smart 360?

Tips for talking with your agent

Resources for Farm Auto

Farmers know how much farm vehicles have changed over the years. A farm fleet of vehicles can include a variety of vehicles, trucks, and trailers.

The risk of the road is amplified when you’re driving a 60,000-pound truck-tractor pulling a full load of grain.

You know you need to insure your farm vehicles; what about recreational vehicles?

Featured Resources

Farmers know how much farm vehicles have changed over the years. A farm fleet of vehicles can include a variety of vehicles, trucks, and trailers.

The risk of the road is amplified when you’re driving a 60,000-pound truck-tractor pulling a full load of grain.

You know you need to insure your farm vehicles; what about recreational vehicles?

Learn more about our other insurance

Insurance customized for your farming business

We’ll help make sure you’re prepared financially.

Commercial Umbrella

Lawsuits are on the rise

Liability coverage that goes above and beyond

Lawsuits are on the rise

Liability coverage that goes above and beyond

Tips for talking with your agent

Commercial Umbrella Resources

You can probably list a handful of major companies that have been affected by a data breach.

Featured Resources

You can probably list a handful of major companies that have been affected by a data breach.

Related Products

You have investments – and people – to protect. We have the expertise to get it done.

Driving is usually a given for any type of business. You might be delivering products, driving to service locations or managing a fleet of drivers and vehicles.

Farm and Ranch

Your farm or ranch is your livelihood and your home. We’ll help make sure you have comprehensive protection for both.

Insurance customized for your farming business

Protection for your family home

Protection for your livelihood

We share your values

Farm and auto are better together

Your farm or ranch is your livelihood and your home. We’ll help make sure you have comprehensive protection for both.