Farm icon with a barn, silo, and a row of crops.

Coverage Rooted in Agriculture

Farm Insurance & Agribusiness

Farms are more than businesses—they’re legacies passed through generations. Johannes Agency began in 1992 as a farm-focused agency, and today we continue to serve farmers across Olivia, Willmar, and West Central Minnesota with specialized farm insurance. Whether you manage a family farm, crop operation, or livestock business, we’ll help you protect your land, equipment, and livelihood.

What’s Included in Farm Insurance Coverage

Farm policies combine elements of personal and commercial insurance, customized to meet agricultural needs. Standard coverages include:

A tractor inside a shield icon.

Farm Liability

Covers injury or property damage claims arising from farm operations.

Outline of a cow and a goat.

Livestock Coverage

Protection for animals lost to accidents, theft, or certain diseases.

Briefcase icon with dollar sign.

Business Interruption

Helps replace lost income if your farm is unable to operate due to a covered event.

Black and white line drawing of a tractor plowing a field.

Farm Equipment Insurance

Covers tractors, combines, and machinery against damage or breakdown.

Barn icon, black outline, with a door and a window.

Farm Dwelling Insurance

Protects your farmhouse, belongings, and personal liability.

Farm with buildings, trees, and cultivated fields.

Farm Property Coverage

Protects barns, silos, grain bins, fences, and other outbuildings.

Farms and Operations We Insure

Johannes Agency insures a wide variety of agricultural operations across Minnesota, including:

  • Row Crop Farms

    Corn, soybeans, and grain operations.

  • Livestock Farms

    Dairy, beef, swine, and poultry producers.

  • Family & Hobby Farms

    Small acreage farms with mixed-use needs.

  • Agribusiness Support

    Farm service companies, custom harvesters, and suppliers.

Farm Insurance FAQs

Here are answers to common questions Minnesota farmers ask about insurance:

  • Does farm insurance cover both my home and business?

    Yes. Farm policies are hybrid plans that often combine homeowners and commercial coverage. This means your farmhouse and belongings, as well as barns, equipment, and operations, can be protected under one policy.

  • What kind of livestock coverage is available?

    Policies can protect livestock from losses due to accidents, theft, certain diseases, or natural disasters. Coverage can be written for individual high-value animals or for entire herds.

  • Do I need special coverage for custom farming services?

    Yes. If you provide services like custom harvesting or spraying, you’ll need additional liability coverage to protect your business. We’ll review your operations to ensure you’re fully protected.

  • Can small or hobby farms get affordable coverage?

    Absolutely. Policies can be tailored for farms of all sizes, from large-scale operations to small acreage hobby farms. We’ll help you find coverage that fits your needs without unnecessary cost.