Farm & Feed Supply Store Insurance Coverage Checklist
The coverages a farm & feed supply store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for farm, ranch, and feed supply stores. Priorities reflect typical exposure for this class; confirm against your actual products and operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. Products) | Covers customer injuries and claims that feed or products harmed animals or crops. | Core | |
| Business Property / Inventory | Covers the store, warehouse, bins, and seasonal inventory peaks. | Core | |
| Workers' Compensation / Employer's Liability | Covers warehouse, forklift, and delivery staff. | Core | |
| Commercial Auto | Covers delivery trucks, spreaders, and tenders on public roads. | Core | |
| Pollution Liability | Covers fertilizer and pesticide spills — excluded from GL. | Prevalent | |
| Custom Application / Chemical Drift Liability | Needed if you spray or spread for customers. | Situational | |
| Errors & Omissions (Advice) | Covers claims that feed or chemical advice caused loss. | Situational | |
| Spoilage / Equipment Breakdown | Covers seed and animal health products needing temperature control, and mill equipment. | Situational | |
| Business Income | Replaces income after a fire during peak season. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for large product and chemical claims. | Prevalent |
The coverage gap most often missed
The gap most often missed by farm supply stores is what happens on the customer's farm. Feed that sickens livestock, fertilizer that burns a crop, or advice that goes wrong can bring claims far larger than the sale — a California mill paid $2.4 million after tainted feed killed 21 horses. Stored fertilizer and chemicals also bring fire and pollution risk. Confirm products coverage includes animal and crop damage, and add pollution coverage for chemicals on site.
Send us the checklist and we'll review your farm & feed supply store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Farm & Feed Supply Store Insurance · Farm & Feed Supply Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a farm & feed supply store business need?
The core coverages for a farm & feed supply store business are General Liability (incl. Products), Business Property / Inventory, Workers' Compensation / Employer's Liability, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my farm & feed supply store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.