From cattle ranches to hobby farms, your operation deserves specialized insurance coverage. With access to 60+ trusted carriers, Pepper, Johnstone & Company builds farm and ranch insurance plans that protect what matters most: your people, your property, and your peace of mind.
Ranch Insurance for Agricultural Operations Nationwide
from Pepper, Johnstone & Company
Every ranch is different. Some raise livestock at scale. Others board horses, grow feed, or manage diverse income streams on the same land. But whether you operate a full-scale cattle ranch or a part-time hobby farm, your risk exposure is complex, and your insurance should match.
That’s where we come in.
At Pepper, Johnstone & Company, we help farmers and ranchers build coverage that adapts to the way they work. With deep agricultural experience and access to the best farm and ranch insurance companies, we design programs tailored to help meet the needs of today’s landowners.
Why Ranch Insurance Matters
Running a ranch is personal and commercial at the same time. You may live on-site, lease acreage, operate equipment, employ seasonal help, or generate revenue from cattle, poultry, equine, or hay. Every one of those activities introduces risk, and it only takes one incident of property damage or injury to trigger serious financial consequences.
That’s where ranch insurance comes in. From fencing and livestock to homes and outbuildings, farm and ranch insurance coverage combines property and liability protection under one package to safeguard your operation from every angle.
Core Insurance Coverages for Ranchers
A strong ranch policy protects the physical and financial components of your business. Here are the key coverages most ranch owners need:
General Liability Insurance
Protects against third-party claims of injury, negligence, or property damage occurring on your ranch, whether from a visiting contractor, guest, or vendor.
Workers’ Compensation Insurance
Covers medical care and lost wages for employees or ranch hands injured on the job.
Commercial Property Insurance
Covers barns, stables, fencing, silos, feed storage, and other permanent farm structures used in your operation.
Commercial Umbrella Insurance
Extends your liability coverage beyond standard policy limits—especially important for ranches with large land holdings or livestock operations.
Commercial Auto Insurance
Insures ranch-owned vehicles used to haul livestock, transport feed, or manage land.
Employment Practices Liability Insurance (EPLI)
Protects against employment-related claims like wrongful termination, discrimination, or harassment.
Fiduciary Liability Insurance
Covers legal and financial risks related to managing employee benefits like healthcare, pensions, or retirement plans.
Crime Insurance
Covers losses from theft, forgery, or fraud—whether committed by an employee or outsider.
Farm and Ranch Insurance Package Options
Most operations benefit from a farmowner’s policy—a flexible package that blends home insurance, business property, and liability under one plan. These policies are designed for working farms, ranches, or farm or ranch properties that serve both personal and commercial functions.
Depending on your unique setup, your farm and ranch insurance policy may include:
- Dwelling coverage for your home or ranch house
- Outbuilding coverage for barns, corrals, arenas, and sheds
- Insurance coverage for livestock, tack, feed, and farm vehicles
- Scheduled coverage for specialty equipment or high-value property
- Business interruption insurance for lost revenue
- Customized coverage options for leased acreage or rental units
Our insurance agents walk you through every detail, helping you balance affordability with protection.
More Than Just Insurance—Risk Management for Ranchers
Ranching is hard work, and no two days look the same. From fencing repairs and foaling seasons to brush clearing and market fluctuations, your priorities shift with the season. Our job is to make sure your insurance company keeps up.
We don’t just understand ranching—we respect it. At Pepper, Johnstone & Company, we’ve spent decades helping farmers and ranchers protect their operations with clear guidance and comprehensive risk management strategies. From the first quote and beyond, we’re ready to serve as your long-term advisors and advocates.
Why Choose Pepper, Johnstone & Company
As an independent insurance company, we’re not tied to one carrier. That means we can compare multiple options and design farm and ranch insurance coverage that truly fits your operation. Whether you're expanding your herd, leasing land, or updating your farming operations to meet new demands, our team will help you stay protected every step of the way.
When you partner with Pepper, Johnstone & Company, you’re getting more than just a policy—you’re getting a team of experienced insurance agents who take your business personally.
Frequently Asked Questions About Ranch Insurance
What ranchers need to know
The two terms are often used interchangeably, but generally, ranch insurance emphasizes livestock operations—especially for cattle, horses, or large grazing herds. Meanwhile, farm insurance may lean toward crops or mixed agriculture. However, most policies today are packaged as farm and ranch insurance to offer flexibility and account for overlapping exposures.
Yes. Most farm and ranch insurance coverage includes the option to add dwelling coverage and farm personal property protection for ranchers who live on-site. This simplifies billing and protects both your residence and your ranch in one policy.
Livestock can be covered under a variety of endorsements, depending on how your policy is structured. Coverage may include accidental death, electrocution, collision, or even loading/unloading incidents. We’ll help you customize your policy based on herd size and value.
Leasing land can affect your risk exposure and may require adjustments to your liability or property damage coverage. Our advisors will help structure your plan to protect your interests while meeting any lease requirements.
Not directly, but as part of our consultative approach, we can connect you with trusted providers to bundle life insurance alongside your other coverage needs—protecting your family’s financial future as well as your land.
We provide coverage for cattle ranches, equine operations, hay and feed producers, and mixed-use rural land. Whether you're full-time or seasonal, operating a business or a hobby farm, we can help you secure the right plan.
What do people think about us?
Trusted by ranchers who raise America’s future.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
We are very pleased with our services that Pepper, Johnstone and Company provide for us! Both with business and personal needs, we feel like we are receiving excellent resources. We truly would not trust anyone else for our insurance needs!
— Lauren M.
on Google
Thankful for the opportunity to work with Pepper, Johnston’s and Co. They helped us add basic insurance needs for our newly formed LLC. The responsiveness, willingness to answer numerous questions, and guide us through multiple options was greatly appreciated. I’d like to especially thank Meredith Baswell of their staff who helped us through the process. I’d recommend you seek their advice and input on commercial and personal insurance options.
— Kevin G.
on Google
This is the best insurance agency hands down. We have our home, car, and business insurance through them. Julie has always gone above and beyond to help us. We wouldn’t use anyone else.
— Laura D.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
Pepper, Johnstone is a very professional and responsive insurance company. They were able to assist me with a full suite insurance solution very promptly and at a great value. Most importantly, I felt completely comfortable that I was being handled by true professionals. Bryan Johnstone is great at his job and I would recommend him highly to anyone who needs insurance advice for themselves or their business.
— Troy R.
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Let’s Build a Coverage Plan That Works as Hard as You Do
Whether you run a large cattle operation or a small family ranch, Pepper, Johnstone & Company is here to help you protect your land, animals, and future. Call us at 866-865-3499 or request a quote online today.