COMMERCIAL FARM & AG PROPERTY INSURANCE

Innovative Solutions for Commercial Agricultural Property Risks

At ARU, we take pride in our ability to stay wide open for business in an increasingly restrictive market for specialty Property risks. Through our proprietary product, Flex, we structure limits and deductibles to meet market demands, providing wholesale brokers and their clients across the U.S. with up to $25M in ground-up capacity.

Our expertise in agricultural occupancies allows us to underwrite accounts that other markets often decline due to factors such as loss history or class of business. Partner with ARU to access capacity and coverage solutions for Commercial Agriculture Property.

Capacity

Flex delivers the capacity your clients need with $25M per occurrence limits.

Expertise

Our specialized team understands the unique risk factors of complex property.

Access

ARU's Commercial Property program is available in all lower 48 states via wholesale distribution.

Loss Control

Our commitment to loss control helps clients mitigate risks and allows us to craft coverage tailored to niche risk profiles.

Appetite Includes:

Cotton Gin Insurance

Cotton gins are among the most challenging agricultural properties to insure due to their high flammability and complex operational risks—but they’re a specialty at ARU. Flex provides coverage for ginning structures and essential equipment, offering brokers a solution for these historically difficult-to-place accounts.

Unlike other markets that offer generic loss control services, ARU brings real expertise to the table. Cotton gin operations involve intricate machinery that demands specialized knowledge—knowledge our farm and agribusiness property experts have honed over years of hands-on experience. Combined with advanced tools like thermography, our team delivers actionable insights and risk mitigation strategies that set us apart, helping ensure long-term operational resilience.

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Grain Elevator Insurance

In recent years, insurance companies have begun to shy away from risks that are historically challenging - especially when large TIVs are involved due to costly repairs. This has left a gap in the insurance market for grain elevator operators and has almost completely dissolved any options for those who have experienced prior losses.

Flex was designed specifically to provide a solution to the frustrating lack of coverage offered by other companies. We utilize loss control professionals in the agriculture space, from engineers to electricians, to help farmers mitigate loss exposures and enable us to offer bindable quotes.

Food Processing Property Insurance

Food processing operations rely on complex machinery and infrastructure to transform raw agricultural products into market-ready goods. These facilities house specialized assets that require dedicated coverage to keep production moving efficiently. Flex provides property solutions tailored to the unique demands of food processing, offering protection for:

Dairy – Pasteurization systems, storage tanks, and processing facilities
Meat – Conveyors, cutting equipment, and cold storage units
Egg – Washing stations, grading equipment, and packaging areas
Vegetable – Sorting lines, packaging equipment, and climate-controlled storage

With our industry expertise, brokers can access the right coverage for these critical operations, ensuring their clients have the support they need to keep their businesses running without interruption.

High-Value Farm & Ranch Insurance

High-value farm and ranch houses in remote areas across the U.S. often face challenges in securing reliable property coverage. At ARU, we welcome these high-value risks with per occurrence limits of up to $25M.

Whether the property is vacant, unprotected, or seasonal, Flex provides a solution that meets the demands of these distinctive homes, offering the protection they need—wherever they are.

Dairy Insurance Solutions

Dairy operations require significant property coverage due to their scale, specialized equipment, and storage needs. When these accounts exceed the limits of Farm products, Flex provides the high capacity required to cover milking parlors, processing facilities, and cold storage for dairy products.

Our coverage and advanced loss control process is designed to protect the critical structures and equipment that keep dairy operations running efficiently.

Produce Distribution

Flex provides coverage for a wide range of produce distribution facilities, including storage warehouses, refrigerated distribution centers, and packaging hubs. Our solutions safeguard critical property such as storage areas, refrigeration units, and distribution infrastructure, ensuring these operations remain well-protected.

💡 We are actively targeting produce distribution accounts that are sprinklered and protected. Send these our way for a highly competitive quote!

Cold storage account with produce stacked in crates

Equine Insurance

Equine operations are a multi-billion-dollar industry that can quickly surpass the capacity limits of a Farm product. Flex offers the high limits needed to insure equine properties that are large or complex.

Our coverage extends to stables, arenas, equipment storage, training facilities, and more. As a Flex partner, you’ll have the tools to pursue equine accounts of all sizes and secure the right coverage solutions for your clients.

Equine account with white fencing and barns

Cold Storage Insurance

Flex provides coverage for a wide range of agriculture-related operations, including cold storage facilities for dairy, produce, meat, and other perishable goods. With the significant capacity demands of cold storage operations, Flex offers the high limits brokers need to meet coverage requirements.

Our expertise in agricultural property risks ensures brokers can place accounts with confidence, knowing they have the necessary capacity and the support of our proven loss control capabilities.

Hog Confinement Insurance

Hog confinement facilities present unique challenges when it comes to securing property coverage, with high total insured values (TIVs), prior loss history, and specialized operational risks often making placement difficult. Flex provides coverage designed specifically for these operations, addressing the property needs of confinement barns, feeding systems, and ventilation equipment.

Our in-depth understanding of agricultural production allows us to support brokers in placing these complex accounts with solutions that accommodate the scale and specialized nature of hog operations.

Warehouse Property Insurance

Just as important as producing agricultural goods is ensuring their safe and efficient storage—and that’s where Flex comes in. We provide coverage for agricultural warehouses that house essential goods like produce, feed, and raw materials. Whether it’s a produce storage facility, a grain distribution center, or an agricultural supply warehouse, our solutions are designed to protect the structures and equipment that keep these critical operations running without interruption.

Cancelled or Non-Renewed Accounts

At ARU, our advanced loss control process empowers us to provide solutions without discriminating based on a policy's cancellation or nonrenewal status. We specialize in tackling historically challenging risks and take pride in putting bindable quotes on the table when others cannot.

Our solutions-oriented mindset drives us to find coverage options where others see obstacles. If you share our commitment to finding opportunities let’s talk.

Schedule a Call

Winery Property Insurance

Wineries may look like all fun and games, but behind the scenes, they are intricate operations with specialized property that requires serious protection. From barrel storage and fermentation rooms to bottling facilities and tasting areas, every part of the winery plays a role in production and distribution. Flex provides coverage designed to safeguard these unique spaces and the essential equipment that powers them.

Commodity Storage Insurance

Protecting commodity storage facilities requires more than just capacity—it demands a deep understanding of the fire risks and structural challenges these large-scale operations face.

Flex provides coverage for critical structures and essential equipment, while our expert loss control team helps ensure long-term operational stability. With high coverage limits and proactive risk management, we equip brokers with the solutions needed to safeguard these vital agricultural assets.

Recently Bound Accounts:

Meat Processing

Recently Bound in NH

TIV: $2.8M

Premium: $40K

Potato Processing

Recently Bound in ID

TIV: $33M

Premium: $300K

Duck Hatchery

Recently Bound in TN

TIV: $7M

Premium: $70K

Produce Storage

Recently Bound in NV

TIV: $9.5M

Premium: $130K

Grain Elevators

Recently Bound in TX

TIV: $5M

Premium: $70K

Seed Warehouse

Recently Bound in SD

TIV: $25M

Premium: $260K

Cotton Gin

Recently Bound in FL

TIV: $4.5M

Premium: $43K

Flour Mill

Recently Bound in AR

TIV: $60M

Premium: $600K

Rice Mill

Recently Bound in AR

TIV: $8M

Premium: $100K

Cooperative

Recently Bound in MT

TIV: $2.7M

Premium: $32K

Hog Confinement

Recently Bound in MN

TIV: $34M

Premium: $470K

Dairy

Recently Bound in VT

TIV: $4.4M

Premium: $51K

Advantages Include:

Up to $25M Per Occurrence Limits.

Rapid Digital Policy Delivery

Available in All Lower 48 States

Superior & Collaborative Loss Control

View or download our Flex highlight flyer to learn more.

PARTNER & GROW WITH ARU

ARU's solutions-oriented approach drives opportunities and growth for our broker partners.

We distribute our Commercial products through established relationships with leading wholesale brokerages across the United States. Retail brokers should connect with their preferred wholesale partner, as they likely already have access to our offerings.

To learn more about our appetite and programs, schedule a call or fill out our contact form.

Schedule a Call

COMMERCIAL FARM & AG PROPERTY INSURANCE

Innovative Solutions for Commercial Agricultural Property Risks

Cotton Gin Insurance

Grain Elevator Insurance

Food Processing Property Insurance

High-Value Farm & Ranch Insurance

Dairy Insurance Solutions

Produce Distribution

Equine Insurance

But That's Not All!

Cold Storage Insurance

Hog Confinement Insurance

Warehouse Property Insurance

Cancelled or Non-Renewed Accounts

Winery Property Insurance

Commodity Storage Insurance

Meat Processing

Potato Processing

Duck Hatchery

Produce Storage

Grain Elevators

Seed Warehouse

Cotton Gin

Flour Mill

Rice Mill

Cooperative

Hog Confinement

Dairy

Advantages Include:

View or download our Flex highlight flyer to learn more.

PARTNER & GROW WITH ARU

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