The Intelligent Agent
The Intelligent Agent
Built for Farm & Ranch

Farm and ranch coverage that doesn't treat ag like a hobby.

AAIS Farmowners forms, livestock coverage, equipment scheduling, custom farming exposures, and the crop insurance edges where private and federal coverage meet.

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Does the named insured's umbrella drop down for an auto liability claim if the personal auto policy is exhausted?

Yes, on this insured's policy. Your Personal Umbrella endorsement [1] follows form to the underlying Personal Auto liability limits of $250k/$500k/$100k. Once those are exhausted, the umbrella responds up to the $1M aggregate limit.

Coverage is subject to the SIR of $250 for non-underlying claims [2].

[1] Smith_PUP_2024.pdf p.4[2] PAL_Endorsement_22.pdf p.2

The pain we take off your plate.

'My tractor is in the shop. Am I covered?'

Inland marine vs farm equipment vs scheduled. We pull the form and the schedule together.

Custom farming coverage gaps

When a farmer custom-harvests for a neighbor, is the liability on his FMP? It depends on the form.

Crop hail vs MPCI overlap

Where private hail coverage stops and federal multi-peril picks up, with state-level rules.

What's in the brain.

Stacked across Farm & Ranch - plus your own house knowledge once you upload it.

  • AAIS Farmowners Program forms
  • ISO Farm Property and Liability forms
  • Custom farming and agritourism endorsements
  • Livestock mortality and named peril forms
  • MPCI / RMA crop insurance fundamentals
  • State Farm Bureau form variations

Try a question.

Does the FMP cover a tractor while it's being transported on a flatbed to a custom job?
On AAIS FL-1 with the Farm Equipment Coverage Form, scheduled equipment is generally covered for transit, BUT coverage may be excluded if the equipment is being used in custom farming operations and that exposure isn't endorsed. Check whether the named insured has a Custom Farming endorsement and whether the destination is within the policy's territorial limits. [1] AAIS FL-1 p.7 [2] Custom Farming Endorsement FL-220.

"Most AI tools think 'farm' means a hobby orchard. This one knows what AAIS is."

- Ag specialist, regional agency

Ready to see it on your book?

Equipment, livestock, crop, and farm liability - we know your AAIS forms.