Jefferson County
Farming carries risk that doesn’t fit into a standard homeowners or commercial policy — equipment, livestock, outbuildings, and crops all need coverage built around how your operation actually runs. McBane Insurance works with Ohio farm families to build protection around the whole operation, not just the house on the property.
Farm & Crop Insurance Built for Ohio Farms
Every farm operation is different — a row-crop grower, a dairy, a beef cattle operation, and a small hobby farm all face very different exposures, even though they might all get quoted the same generic policy elsewhere. McBane Insurance has been insuring Ohio Valley farm families since 1900, and we build farm and crop coverage around how you actually operate — the land you work, the equipment you run, the livestock you raise, and the season you’re in.
Coverage Built Around How You Farm
Farm operations blend personal property, business property, liability, and specialty exposures into one program. Here are the coverages we most often build into a farm client’s policy — we’ll walk through which of these you actually need based on your operation.
Farm Property & Dwelling
Your farm dwelling, outbuildings, barns, silos, grain bins, and machine sheds each need to be scheduled correctly. We help you value them at replacement cost — not depreciated cash value — so you’re not underinsured after a fire, wind, or lightning loss.
Farm Equipment & Machinery
Tractors, combines, planters, sprayers, skid steers, ATVs, and specialty equipment are all covered under scheduled farm equipment coverage. We’ll help you decide what needs to be listed individually versus covered under a blanket limit, and make sure newly purchased equipment gets added before it hits the field.
Livestock Coverage
Livestock coverage protects against death or injury from named perils — lightning, drowning, fire, collapse, collision, and more. We write coverage for cattle, dairy, swine, sheep, goats, poultry, and horses, and can structure it as blanket coverage or per-head based on your operation.
Farm Liability
Farm liability is broader than a homeowners liability endorsement and protects you against injury or property damage claims arising from your farming operation — including custom farming work, employee incidents, and even injuries to visitors on your property. We’ll match the limits to the actual size and exposure of your operation.
Multi-Peril Crop Insurance (MPCI) & Crop Hail
Federal MPCI protects your yield or revenue on covered crops against weather, disease, pests, and other insurable causes of loss. Crop Hail is a separate policy that covers hail and fire damage to standing crops. Deadlines matter — MPCI signup dates are set by USDA/RMA — so getting your quote in early is critical. We help you compare private-market crop hail options alongside your federal MPCI.
Farm Auto & Trucks
Farm-plated pickups, grain trucks, and service vehicles need commercial or farm auto coverage — a personal auto policy usually excludes farming use. We build farm auto programs that match how the vehicles are actually used, seasonally or year-round.
Workers’ Compensation & Employment Practices
If you have hired hands — even seasonal — Ohio typically requires workers’ compensation coverage through the Ohio BWC. We help coordinate that alongside farm liability so employment-related exposures are actually covered.
Why Ohio Farm Families Work With McBane
We’ve been family-owned and independent since 1900, with offices in Bergholz, Carrollton, and Wintersville serving farm operations across the Ohio Valley. You get a local agent who understands agriculture in this region — the crops actually grown here, the weather patterns, the equipment dealers, and the specific carriers who compete for Ohio farm business. And when a claim happens — a barn fire, a hail loss, a downed silo — we’re the ones who answer the phone.
Get a Farm & Crop Insurance Quote
Whether you farm 5 acres or 5,000, run a few head of cattle or a full dairy, we’ll put together a proposal built around how your operation actually runs — with the coverage limits, endorsements, and carrier that fit best.
