Farm Insurance · Central Virginia

Farm insurance for Bedford, Campbell and the counties around them.

Your farm is your home, your business and your equipment yard all at once. Blue Ridge Insurance places farm and ranch coverage with carriers that understand Central Virginia agriculture, from working cattle operations to hobby farms.

Get a Farm QuoteCall (434) 212-3300
The Basics

A homeowners policy wasn’t built for a farm.

Standard homeowners policies typically limit or exclude barns, outbuildings, livestock, farm equipment and the liability that comes with selling what you grow or raise. A farm policy brings the house and the operation under one roof so nothing falls between two policies.

Carriers rate farms on acreage, what you produce, how much of your income comes from it, and the value of buildings and machinery. We’ll ask about all of it so the policy fits how you actually farm.

Operations we can help with

  • Cattle, horses and other livestock
  • Hay, crops and orchards
  • Hobby farms and small acreage
  • Agritourism and farm stands
  • Equipment and outbuildings
What’s Covered

The parts of a farm policy

Farm dwelling

Your home and personal belongings, similar to a homeowners policy.

Barns & outbuildings

Barns, sheds, fencing, silos and other farm structures.

Farm equipment

Tractors, implements and machinery, at the farm or in the field.

Livestock

Coverage for animals against named perils such as fire, lightning and theft.

Farm liability

Injuries to visitors, livestock on the road and claims tied to farm products.

Related coverage

Farm auto, umbrella and workers’ comp for farm employees, quoted alongside.

Get a Quote

Start your farm quote.

Tick Business Insurance in the form and tell us about your acreage and operation. A licensed advisor in our Forest office will follow up, often with a visit.

  • Carriers that specialize in farm risks
  • House and operation on one policy
  • Local advisor who knows the area
Common Questions

Farm insurance questions

I have a few acres and some animals. Do I need a farm policy?
Possibly. Some homeowners policies can be endorsed for small hobby operations, while others exclude them entirely. Tell us what you have and we’ll tell you which fits.
Are my cattle covered if they get out on the road?
Farm liability typically covers injuries and damage caused by livestock that stray onto a road. It’s one of the most common reasons farms need proper liability coverage.
Do I need workers’ comp for farm help?
Requirements for farm labor differ from other employers and depend on headcount and state. We’ll review your situation and quote employer’s liability or workers’ comp as needed.

Let’s look at your whole operation.

House, barns, equipment and livestock, reviewed together.

Get a QuoteCall (434) 212-3300