In the US, there are approximately 67,000 hog farms. Pigs are great for breeding since they are easy to raise and don't need extensive space. These animals can thrive in farms and ranches. However, some opt to go for a hog confinement facility to reduce the chances of pigs catching a disease.
Fire accidents can occur, damaging your structures and buildings. Also, disease outbreaks may kill your livestock. Therefore, you need hog farm insurance that protects your operations from common liabilities and risks. This article discusses critical hog confinement insurance policies, their coverage limits, and add-ons:
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $500,000/$1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | No |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
General liability insurance is a type of swine farm insurance that shelters claims of property damage, bodily injury, personal injury, or advertising injury. This policy primarily shields your business against claims from third parties.
This policy benefits your hog farm business and saves you from financial implications in case of an unforeseen accident. If a customer or visitor is injured while on your farm, they can decide to sue your business. This may lead to expensive proceedings and settlements. General liability insurance will help sort things out.
Livestock coverage–This coverage will protect your farm business against losing hogs due to diseases or accidents. It will compensate you for financial loss if your hogs are affected
Pollution liability coverage–Your hog farm can generate waste, and this add-on will protect against liabilities due to pollution. It will cover all cleanup costs and other expenses
When accidents such as property damage or bodily injury occur, your insurance provider will offer you $1 million to $2 million for a single occurrence. For better coverage, ensure you discuss with your provider to adjust your policy terms.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Yes | No |
| License defense coverage included? | No | No | No | No | Can be included |
Professional liability insurance will shelter your hog farm business against any claims of errors or negligence. This hog confinement insurance can also cover breach of contract and breach of confidentiality. You can use the payouts of professional liability insurance to cover lawyer fees, settlements, and judgments. Some insurance companies offer this insurance as an add-on to general liability insurance.
Your carrier will provide a specific coverage limit to cover the damages, ranging from $100,000 to $500,000.
In today's innovative world, media is fundamental in creating exposure for your hog farm. Many regulations govern the media; you might cross them without knowing. A competitor or customer can accuse you of invasion of privacy, defamation, slander, copyright infringement, or libel. This insurance will shelter your hog farm business from any media-related claims.
Crisis communication coverage–This add-on will cover all the costs of hiring public relations firms to manage your reputational crisis
The coverage limit is calculated based on the size of your hog farm or the risks you are exposed to. But generally, insurance providers will grant you a limit of $250,000 to $2 million for each claim made.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $15,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Included | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Included | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Included | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Commercial property insurance is a policy that covers full or partial expenses of replacing or repairing your hog farm equipment, buildings, or other physical assets damaged by covered events. Common covered perils include fire, theft, vandalism, or windstorm. This policy safeguards your financial integrity and ensures your hog farm continues to operate even after a devastating loss.
Spoilage coverage–If you store perishable goods in your hog farm, such as animal feeds or medication, this add-on will safeguard your farm from losses due to the spoilage of these items
Outdoor structures coverage–This add-on extends the coverage of your primary commercial property insurance to outdoor structures such as gates, storage areas, or fences
The coverage limit for commercial property insurance is divided into two segments. One is for building coverage which can be $100,000 to $500,000. While the other one is for content coverage and can be $50,000 to $500,000.
| CoverWallet | NEXT (Best) | Hiscox | Thimble | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $500,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Business owner’s policy is designed for small businesses with relatively low risk. You can get this package policy for your hog farm and enjoy special discounts. It includes property insurance and general liability coverage. Property coverage shelters your physical assets, while general liability is for third-party claims.
A storm causes the collapse of your hog farm structures; the policy will pay for rebuilding, replacement, and repair costs
If a visitor to your hog farm falls and sustains injuries, this policy will cover the medical expenses and liability claims
Hurricane causes your hog farm to close down, the policy will reimburse you for ongoing expenses and lost income during this period
Umbrella liability coverage–This policy will offer more liability coverage beyond your BOP's coverage limits. It prevents financial crippling of your business in the event of catastrophic events
Employment practices liability coverage–Protects your hog farm against liabilities of wrongful termination or harassment allegations
BOP for hog farms offers a $1 million-$2 million general liability insurance and a $25,000-$60,000 commercial property insurance.
If you use commercial vehicles to transport hog farm products or pigs, you need a commercial auto insurance. It only covers your business vehicle and will not insure your personal vehicles. Commercial auto insurance covers:
Medical costs
Bodily injury
Property damage
Vehicle repair expenses
Comprehensive coverage–This covers vehicle damage due to fire, theft, vandalism, lightning, and other covered perils
Collision coverage–Helps cover repairs if your vehicle is damaged due to a road crash
Auto liability coverage–Takes care of expenses if your commercial vehicle injured people or destroyed properties in a road accident
Uninsured/uninsured motorist coverage–If you are involved in an unfortunate accident with a driver without valid insurance or doesn’t provide adequate payouts, this coverage will cover the costs
Roadside assistance coverage–This add-on will cover services such as fuel delivery or towing after your vehicle breaks down on the road
Hired auto coverage–This add-on will cover the medical costs of third parties in case leased or rented vehicles are involved in an accident
If your hog farm has employees, you must protect them in case of occupational injuries. Your employees can also fall ill due to exposure to harmful products, and you must cater to their medical bills. It will cover:
Lost wages
Medical expenses
Rehabilitation costs
Death benefits
Workers compensation insurance has no fixed limit. Payouts depend on the workers comp law of the state where you’re in.
Excess liability insurance offers your business additional coverage limits beyond your existing liability insurance. With this insurance, you will not need to sell your business assets or use personal reserves to pay settlements.
You can get a coverage limit of $1 million to $10 million. Higher limits may be available depending on your choice of insurance company.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $47 | $564 | $0-$500 |
| Pollution liability insurance | $52 | $624 | $1,000-$2,000 |
| Commercial property insurance | $60 | $720 | $1,000-$2,000 |
| Business owner's policy | $105 | $1,260 | $1,500 |
| Tools and equipment insurance | $53 | $636 | $500-$1,000 |
| Commercial auto insurance | $60 | $720 | $500-$1,000 |
| Workers compensation insurance | $98 | $1,176 | $2,500-$5,000 |
The average hog farm insurance cost is $47 per month or $564 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits, deductibles, number of employees, annual revenues, and location. Here’s a table showing the cost of a $1 million general liability policy from the best hog farm insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $27 | $324 | Best overall; Fastest general liability insurance for hog farms |
| CoverWallet | $30 | $360 | Comparing hog farm insurance quotes online |
| The Hartford | $34 | $408 | Workers compensation insurance for hog farms |
| Tivly | $38 | $456 | Comparing hog farm insurance quotes over the phone |
| Thimble | $40 | $480 | Hog farms that are looking for short-term insurance coverage |
| Hiscox | $42 | $504 | Hog farm insurance with automatic renewal |
Get all the best quotes from leading providers in a click of a button!
Here are the best hog farm insurance companies. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for hog farms
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is a company that offers small businesses, such as hog farms, customized insurance coverage. They also provide specialized insurance products for various businesses. You can purchase a BOP policy, commercial auto insurance, property insurance, tools and equipment insurance, among others. Since this company is rated by AM Best at A-, they can comfortably be able to pay your claims.
Best for: Best overall; Fastest general liability insurance for hog farms
Average costs: $27 per month
Our rating: 10/10
They offer competitive insurance policies
You can get flexible hog insurance coverage options
They have a virtual platform for purchasing and managing insurance
Not an insurance company but an insurance broker
CoverWallet is a digital insurance brokerage that simplifies how businesses buy insurance policies. They are working with multiple insurance providers to offer their customers the best deals. You can purchase various products such as workers' compensation insurance, BOP policy, cyber liability insurance, and tools and equipment insurance. They have a customer support team who will help secure an ideal coverage for your hog farm business.
Best for: Comparing hog farm insurance quotes online
Average cost: $30 per month
Our rating: 10/10
They are an experienced insurance company
You can get comprehensive coverage options for your hog farm business
They offer a fast claim-handling process
Limited add-ons to general liability insurance
The Harford is an insurance company with a positive track record of offering insurance products to businesses. They also provide ideal policies for the agricultural sector. Your business can get media liability coverage, excess liability coverage, BOP policy, and workers' compensation. They currently have a rating of A+ from BBB, assuring their financial stability is unquestionable.
Best for: Workers compensation insurance for hog farms
Average cost: $34 per month
Our rating: 10/10
You can get budget-friendly insurance policies
An insurance marketplace that can connect you with multiple insurance providers
Have an easy-to-use platform
You need to talk to a representative to get quotes
Tivly was established in 2009 to offer businesses comprehensive insurance products. This company links you with an ideal hog farm insurer. You can get the most affordable rates in this insurance marketplace. They work with over 200 insurance providers, you can navigate through their website and find a provider you are comfortable working with. Call now to compare quotes over the phone.
Best for: Comparing hog farm insurance quotes over the phone
Average cost: $38 per month
Our rating: 9/10
They offer event-based hog farm policies
They have a responsive website where you can easily apply for an insurance policy.
You can manage your policy via an app
Some of their policies are limited to certain states
Thimble has a mobile app that allows you to purchase and manage your policies. You can get short-term hog insurance for your business. Additionally, you can get competitive prices on their website. You can get comprehensive insurance policies to shelter your hog business from unpredictable adversities. Some policies you can get include workers compensation insurance, media liability insurance, tools and equipment insurance, cyber liability insurance, general liability insurance, commercial property insurance, and commercial auto insurance.
Best for: Hog farms that are looking for short-term insurance coverage
Average cost: $40 per month
Our rating: 9/10
Has outstanding financial strength
They have hog farm on-demand policies
You can create an insurance policy that suit your needs
Doesn’t offer coverage in Alaska
Hiscox offers ideal deals for hog farm businesses. What makes this company outstanding is its ability to respond to a business's complex insurance needs. Depending on your needs, they can provide your business coverage for months or years. You can add more policies or adjust your existing ones as your business grows.
Best for: Hog farm insurance with automatic renewal
Average cost: $42 per month
Our rating: 9/10
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Not all those who wander are lost.
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