Hog Farm Insurance: Cost & Quotes From $47/mo

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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:

General Liability Insurance for Hog Farms  

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. 


Add-Ons to General Liability Insurance for Hog Farms

  • 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

What Are the Coverage Limits of General Liability Insurance for Hog Farms?

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.


Professional Liability Insurance for Hog Farms

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. 


Coverage Limits for Professional Liability Insurance for Hog Farms

Your carrier will provide a specific coverage limit to cover the damages, ranging from $100,000 to $500,000.


Media Liability Insurance for Hog Farms  

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.


Add-Ons to Media Liability Insurance for Hog Farms

  • Crisis communication coverage–This add-on will cover all the costs of hiring public relations firms to manage your reputational crisis

Coverage Limits for Media Liability Insurance for Hog Farms

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.

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Commercial Property Insurance for Hog Farms 

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.


Add-Ons to Commercial Property Insurance for Hog Farms

  • 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

Coverage Limits for Commercial Property Insurance for Hog Farms

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.


Two pigs in a hog confinement.


Business Owner’s Policy for Hog Farms   

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.


What Incidents Can BOP Cover?

  • 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

Add-Ons to BOP for Hog Farms

  • 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

Coverage Limit of BOP for Hog Farms

BOP for hog farms offers a $1 million-$2 million general liability insurance and a $25,000-$60,000 commercial property insurance. 


Commercial Auto Insurance for Hog Farms  

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

What Are the Standard Components of Commercial Auto Insurance?

  • 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

What Are the Common Add-Ons to Commercial Auto Insurance?

  • 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

Workers Compensation Insurance for Hog Farms    

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

Coverage Limits of Workers Compensation Insurance for Hog Farms

Workers compensation insurance has no fixed limit. Payouts depend on the workers comp law of the state where you’re in. 


Excess Liability Insurance for Hog Farms  

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.


Coverage Limits of Excess Liability Insurance for Hog Farms

You can get a coverage limit of $1 million to $10 million. Higher limits may be available depending on your choice of insurance company. 

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Hog Farm Insurance Cost

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

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Best Hog Farm Insurance Companies

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. 


NEXT Hog Farm Insurance

Pros

  • 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 

Cons

  • 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


CoverWallet Hog Farm Insurance

Pros

  • They offer competitive insurance policies

  • You can get flexible hog insurance coverage options

  • They have a virtual platform for purchasing and managing insurance

Cons

  • 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


The Hartford Hog Farm Insurance

Pros

  • They are an experienced insurance company

  • You can get comprehensive coverage options for your hog farm business

  • They offer a fast claim-handling process

Cons

  • 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


Tivly Hog Farm Insurance

Pros

  • You can get budget-friendly insurance policies

  • An insurance marketplace that can connect you with multiple insurance providers

  • Have an easy-to-use platform

Cons

  • 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


Thimble Hog Farm Insurance

Pros

  • 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

Cons

  • 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


Hiscox Hog Farm Insurance

Pros

  • Has outstanding financial strength

  • They have hog farm on-demand policies

  • You can create an insurance policy that suit your needs

Cons

  • 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

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