Spot for Agriculture Companies

Get quotes from 45+ agriculture insurance providers with Spot

We get quotes for your field equipment, vehicles and crews, kept apart from the grower’s crop, and help you buy before the next field trial.

  • Field trials quoted on your exposures, not the grower’s
  • Equipment scheduled for the farm, the road and the shop
  • Keep your broker or switch, with no commissions on premiums
An agronomist kneels in a row of young corn, setting a soil sensor into the ground.

How Spot helps Agriculture Companies

Tell us what you do on farms

Your Spot team records whether you demonstrate equipment, apply an input, collect data or run a grower’s machinery, and who owns each device and crop involved, so brokers can tell your property from the grower’s.

Maple FarmsOrganized by Spot
AIG
Alliance Risk
Amelia Risk

Check the trial agreement

Send the trial statement of work. Spot reads what damage it assigns to you and checks it against your liability and property terms before the first visit.

Product liability insurance

Maple Farms · Policy review

Policy wording
Coverage limits
Compare with
Contract requirements

Confirm with your broker

Limits, exclusions, and endorsements

Compare quotes for equipment, vehicles and products

We work with brokers to take your submission to market and line up fixed-site property, equipment in transit, vehicles and products terms, so a gap between them shows up before harvest.

Amelia Risk
Alliance Risk
AIGQuote request

Product liability insurance

Coverage limits · Policy terms

Maple Farms

Ask questions in Slack between farm visits

Ask the Spot agent whether a device left at a farm is listed, or message your Spot team in Slack when a grower wants proof of insurance and they’ll get the certificate ready.

# spot-support

CaseyMaple Farms

What do we need to request product liability insurance quotes?

RileySpot

Let’s prepare the information for your broker and compare the terms, not just the price.

How buying insurance works for Agriculture Companies

  1. 01

    Tell us about your business

    Share what you do, where you work, the policies you have and any contracts that ask for insurance.

  2. 02

    We write up your application

    Spot turns it into an application that describes your business the way insurers need to see it.

  3. 03

    We get quotes from insurers

    Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.

  4. 04

    Compare your quotes

    We put the quotes side by side on limits, exclusions and terms as well as price.

  5. 05

    Buy your policy and get certificates

    You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.

Agriculture Companies we help

  • Agtech hardware companies

    Sensors, robots and instruments leave your workshop for trials and installations on farms.

  • Input and product makers

    What you sell or apply can cause injury or damage after delivery, and growers ask how you’d respond.

  • Field service providers

    Your crews drive to farms, operate equipment and work seasonal schedules, so vehicles, duties and seasonal hires all belong in the quote.

  • Farm data and software teams

    You collect data on a grower’s land and need to keep their crop risk separate from your own.

Insurance Agriculture Companies usually carry

The policies companies like yours are usually asked for, and when each one comes up.

  • Product liability

    You sell or install an input, machine, or software-controlled device that could cause injury or damage after delivery.

  • Commercial property

    You lease a lab, workshop, storage site, or keep company-owned equipment and inventory at a farm.

  • Tools, equipment and inland marine

    Sensors, robots, or test instruments leave your workshop for field trials or customer installations.

  • Commercial auto

    Your team drives company or hired vehicles to farms or carries equipment between sites.

  • Workers’ compensation

    You hire people for field trials, installation, maintenance, or seasonal work in California.

Insurers that quote Agriculture Companies

Get quotes from 45+ agriculture insurance providers with Spot.

  • AIG
  • Alliance Risk
  • Amelia Risk
  • Aon
  • Beazley
  • Berkshire Hathaway Specialty Insurance
  • biBerk
  • And many more

When Agriculture Companies need insurance

  • 01

    A field trial starts next month

    Identify who controls the activity, who owns the equipment and crop, and what the agreement makes you responsible for.

  • 02

    You’re hiring seasonal crews

    Give the broker duties, seasons, states and vehicle use. Farm-labor rules can carry exceptions, so confirm how each arrangement is treated.

  • 03

    Equipment is staying on a farm

    Fixed-site property, property in transit and customer-owned property are separate questions. Check values and deductibles for each.

  • 04

    Your team drives between farms

    List owned, hired and employee vehicles, the routes they run and the tools or samples they carry.

  • 05

    You’re leasing a lab or storage site

    Schedule your site interest, installed equipment, portable devices and stock separately from anything a grower owns.

Questions from Agriculture Companies

Also known as agricultural insurance, agribusiness insurance, agtech insurance, agricultural business insurance and farm service business insurance.

What does agricultural business insurance usually include?

For agtech and farm-service companies it’s usually several policies: product liability, property, inland marine for equipment in the field, commercial auto and workers’ compensation. Spot compares them together so the pieces fit.

Does our business policy insure the grower’s crop?

Don’t assume it does. Your commercial policy isn’t crop insurance and doesn’t replace federal crop coverage, which depends on the crop, county, timing and cause.

What should we ask about workers’ compensation in California?

Start with the actual worker relationship. California has statutory exceptions tied to farm-labor status, so Spot puts each worker’s duties, season and supervisor in front of the broker before anyone treats coverage as required or optional.

Are our sensors covered while they’re out in a field?

Only if a form lists them for that location or trip. Your Spot team checks inland marine schedules for field use, loading and installation.

Does product liability cover crop damage from our product?

It may address property damage, but crop damage, efficacy, recall and warranty costs need their own questions. We ask each broker to answer them in writing.

We buy through a local farm agent. Can we keep them?

Yes. Spot works alongside your agent or broker, preparing the field-trial and equipment details and comparing what comes back, and takes no commissions on premiums. If you want a broker who places more agtech business, Spot can help you switch.

Get insurance off your to-do list.

Get quotes from 45+ agriculture insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.

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