The Hidden Gaps in Farm Insurance Most Arkansas Growers Overlook

Farm insurance is essential, but even a well-built policy can have blind spots. In Arkansas—where unpredictable weather, rising input costs, and diversified farming operations are the norm—it’s critical to spot and fix coverage gaps before they cost you.

 

1. Outbuildings and Structures

Grain bins, machine sheds, and chicken houses may not be automatically covered under your base policy. Even if they are, the assigned value might not reflect current replacement costs, especially with construction prices on the rise.

Pro tip: Double-check how each building is classified. Insurers may group certain outbuildings under separate coverage categories.

2. Leased or Rented Land

Many Arkansas farmers work land they don’t own. Standard policies don’t always extend liability or property coverage to rented acreage—especially if you’re responsible for structures, fencing, or irrigation systems on that land.

Solution: Talk to your agent about adding endorsements that specifically cover your leased land and any responsibilities you hold.

3. Pollution Liability

With livestock waste, fuel tanks, and crop chemicals in use, pollution risks are real. Many policies exclude or severely limit pollution liability unless it’s added through a special rider.

This can be especially important if you sell to co-ops, processors, or distributors who require you to carry this kind of coverage.

4. Agritourism Activities

Opening your farm for pumpkin patches, tours, or events? Traditional farm liability may not cover public-facing activities, especially if you charge admission or sell products directly to consumers.

If you’re earning non-farm income on your property, that’s a red flag for standard policies and often requires separate or additional liability coverage.