Agribusiness Insurance in Ohio

Agribusinesses in Ohio face unique risks and require specific insurance coverages to protect against potential losses. Some of these risks include weather-related losses, such as hail and wind damage to crops; legal liability resulting from negligent acts; and theft or vandalism of agricultural equipment.

Other potential risks include property damage caused by wild animals, loss of income due to crop failure, and liability related to animal trespassing.

Ohio agribusiness insurance is a sure way to protect against financial losses should any of these risks become a reality. Not only can it provide compensation for direct losses, but it can also protect against legal fees and other costs associated with a claim.

At Bellwether Insurance, we understand the unique needs of Ohio agribusinesses and provide tailored insurance solutions. We can help you to find the right coverage for your business, including property damage, liability protection, workers’ compensation and commercial auto insurance.

We also offer a variety of additional coverages that are designed to protect against specific risks, such as crop insurance, equipment breakdown, or livestock mortality. Our experts are available to answer any questions you may have and guide you through the process of selecting the right policy for your business.

We understand that protecting your agribusiness is a top priority. That’s why we strive to provide comprehensive coverage that meets the unique needs of Ohio’s agribusinesses. Contact us today to learn more about our insurance solutions and get a free quote.



We look forward to helping you protect your business and keep it running smoothly!

Every agribusiness in Ohio should have some form of insurance. This includes:

• Dairy farmers
• Cattle ranchers
• Sheep farmers
• Hog producers
• Greenhouse growers
• Orchard operators
• Vineyard owners
• Fruit and vegetable growers
• Poultry farmers
• Beekeepers
• Crop farmers
• Fertilizer and pesticide applicators
• Livestock feeders
• Custom harvesters
• Horticulturists

Each of these businesses faces different risks and therefore needs coverage tailored to their needs in order to protect their assets.

General liability insurance is an important part of any agribusiness’s insurance portfolio. It covers legal expenses and damages resulting from third-party injuries or property damage caused by your business. This includes:

• Bodily injury: Any injury to a person or animal caused by your business, such as slip and fall accidents in a store owned by your agribusiness.
• Property damage: All damage to property caused by your business, such as damaged crops due to a faulty irrigation system.
• Medical payments: Any medical bills associated with an injury caused by your business.
• Advertising injuries: Copyright or trademark infringement due to your advertising activities.

General liability insurance is essential for protecting your business from the high costs associated with legal claims.

Property insurance is another important coverage for any agribusiness in Ohio. It covers damage to buildings, equipment, and other property owned by your business due to a variety of causes, including fire, windstorms, hail, and theft.



Depending on the type of property you own, your policy may also include coverage for business interruption, extra expense coverage, and equipment breakdown coverage. This can help you to keep your business running and minimize losses if your property is damaged or destroyed by a covered event.

Crop insurance is an important coverage for Ohio agribusinesses. It can help to protect your business from losses due to crop failure, hail damage, drought, and other natural disasters. Crop insurance can be purchased as a standalone policy or added to a business package for additional protection.



The most common types of crop insurance available in Ohio are multi-peril crop insurance (MPCI), crop hail insurance, and whole farm revenue protection. MPCI provides coverage for losses due to a variety of causes, including drought, disease, and weather-related events. Crop hail insurance covers damage caused by hail storms and other severe weather. Whole farm revenue protection provides coverage for losses due to a variety of risks, including market forces, natural disasters, and crop yields.

Any business that operates vehicles for commercial purposes needs commercial auto insurance. This covers damage to your vehicles, as well as liability expenses if someone is injured in an accident caused by your business. Commercial auto insurance can help to protect your business from the high costs associated with vehicle accidents and repairs.

The minimum required coverage in Ohio is $25,000 for bodily injury per person and $50,000 for total bodily injuries per accident. You can also add optional coverages such as collision and comprehensive coverage to your policy to provide more protection.

Employers in Ohio are required to carry workers’ compensation insurance if they have one or more employees. This type of coverage provides medical and wage replacement benefits to employees who are injured or become ill while at work. It also covers legal expenses and any other related costs associated with a workplace injury or illness.

Workers’ compensation can help to protect your agribusiness from the high costs associated with employee injuries and illnesses. In addition to providing financial protection, it can also help to improve employee morale by showing that you value their safety.

Theft and crime insurance can help to protect your agribusiness from losses due to theft or criminal activities. This type of coverage provides protection for losses due to burglary, robbery, employee dishonesty, and other similar events. It also covers legal expenses associated with defending against a criminal prosecution.



It is important to keep in mind that theft and crime insurance only covers losses due to criminal activities. It does not provide protection from any other type of risk. For additional protection, you may want to consider adding a general liability or business interruption policy to your package.

Inland marine insurance is a specialized type of coverage designed to protect businesses that transport goods or materials. This can include trucks, boats, barges, rail cars, and more. It covers any physical damage to the property as well as losses due to theft or other perils while it is in transit.



Inland marine insurance can help to protect your agribusiness from losses due to theft, damage, or destruction of goods while they are being transported. This coverage can provide peace of mind knowing that you and your business are protected in the event of an unexpected incident.

While business insurance policies can provide valuable protection, it is important to understand that most policies contain certain exclusions. These are specific types of losses or risks that the policy does not cover. Some common exclusions in Ohio business insurance policies include claims related to nuclear accidents, war and civil unrest, signs or outdoor advertising structures, and intentional acts.



It is important to review the exclusions in your policy carefully to make sure you know what types of risks are not covered by your policy. Knowing this information can help you prepare for any potential risks or losses that may occur in the future.

The cost of business insurance in Ohio will vary depending on the type and amount of coverage you need, as well as other factors such as your location, industry, and size. To get an accurate quote for your business insurance needs, it is best to contact a licensed agent who can review your specific situation and provide you with a quote.

While business insurance is important for any agribusiness, it can also be expensive. Here are ways to help lower your premiums and save money on your business insurance costs:

1. Review Your Coverage – Regularly review your policy to make sure the coverage still meets your needs and that you are not paying for coverage you don’t need.
2. Increase Your Deductible – Increasing your deductible can help to lower your premiums. Just make sure to set a reasonable amount that fits into your budget in case of an unexpected loss.
3. Bundle Policies – Consider bundling multiple policies with the same provider to get a better rate.
4. Shop Around – Don’t be afraid to shop around and compare quotes from multiple insurers.
5. Take Advantage of Discounts – Ask your insurer about any discounts you may qualify for, such as having multiple policies or setting up automatic payments.
6. Improve Your Security – Take steps to improve the security of your business, such as installing alarms and surveillance cameras.
7. Use Risk Management Strategies – Implementing risk management strategies can help you reduce the chances of a claim being filed.
8. Maintain Good Records – Keeping detailed records of your business activities can help to prove any losses in the event of a claim.
9. Invest in Training – Train your employees on how to properly perform their job duties to reduce the risk of accidents or injury.

An experienced insurance agent can provide valuable advice and help you find the right policy for your agribusiness.

Bellwether Insurance specializes in helping agribusiness owners find the right coverage for their needs. We work with multiple reputable insurers to provide you with competitive quotes so you can find the best value for your business insurance.



To get started on finding the right policy at the right price, request a quote today or contact us to speak with an experienced agent. We are committed to helping you protect your business and maximize your savings.