Specialized property coverage for agricultural operations—structured for scale and built for certainty

Agricultural operations carry unique property risks, ranging from weather-driven losses and business interruption to specialized equipment failures and supply chain disruptions. Insureds operating in this sector need coverage that’s both comprehensive and competitively positioned.

Through the  Property Risk Management Association (PRMA), Amwins offers a tailored Agriculture Program that brings robust property capacity and specialized terms to the agricultural marketplace. Backed by multiple A.M. Best A- through A+ rated carriers, this all-risk program offers retail partners access to meaningful limit structures and powerful sublimits that address the nuances of modern agribusiness.

PRMA has built a reputation for addressing complex property risks with precision and flexibility. The Agriculture Program represents the next evolution in that commitment, providing dedicated support, risk inspection, and broad coverage for larger-scale farming and ag-based businesses.

Program Highlights:

• All risk manuscript form
• All real and personal property
• Actual loss sustained as respects loss of income including a 365-day extended period of indemnity.
• Building ordinance including contingent liability; demolition and increased cost of construction
• No coinsurance
• Replacement cost if repaired or replaced
• Can provide Flood & Earthquake sublimits, subject to modeling
• Equipment Breakdown is Included

Program Qualifications and Details:

• Agricultural operations with TIV greater than $25M
• Businesses with adequate replacement cost valuations
• Operations requiring inspection of key property locations
• $250 PRMA membership fee
• $2,500 minimum inspection fee
• Non-admitted, A-rated carrier placement

Major Exclusions:

• Stock (live animals)
• Mobile equipment