For 65 years, Stroud National Agency, Inc. has helped agents serve agricultural risks across the midwestern, southwestern, and western U.S. During that time, farming and ranching operations have become increasingly varied. While healthy, that diversity can make it harder to know when a risk fits a true farm and ranch program versus other coverage. That’s where Stroud National steps in to help make sense of it all, often leaning on Travelers Agribusiness farm insurance for standard farm and ranch risks.
In a marketplace where carrier relationships come and go, Stroud National and Travelers have partnered for 22 years, roughly one third of our time as a company. The sections below highlight the kinds of farm and ranch accounts that often fit with Travelers, and where we may steer you toward other markets for best fit. You can also learn more on our Wholesale Insurance Products page.
Working farms and ranches: A good fit for Travelers Agribusiness farm insurance
As part of a varied rural landscape, we regularly see family-owned farms and ranches. Think row-crop, livestock, equine operations, and more. These accounts typically have a dwelling, barns, shops, equipment, and farm liability that go well beyond a homeowners policy. Agricultural operations also play a central role in how these families earn their living.
Some of these working farms and ranches are also busier operations, with hired hands, multiple outbuildings, significant farm personal property, and farm or ranch autos on the road. In situations like that, a mix of policies can leave gaps. A better approach? Coordinated property, liability, and auto coverage designed for the agricultural lifestyle.
With exposures like those, Travelers Agribusiness farm insurance can be a good fit. If you are an agent looking for a place to start with these kinds of accounts, our Farm and Ranch Insurance Quote Request page is built specifically for licensed agents. It walks you through all the information we need to start considering a request for Travelers Agribusiness farm insurance.
Hobby farms: Rural properties with agricultural exposure
Beyond full-time operations, we also see rural properties where agriculture is more of a side pursuit. These hobby farms are typically smaller-scale operations where farming is not the main way insureds provide for their families. When there is meaningful agricultural exposure, like livestock, crops, etc., a hobby farm can quickly outgrow a standard homeowners policy. In those cases, Travelers Agribusiness farm insurance can help protect the home, farm property, and farm liability on a single policy.
Most Travelers farm underwriting happens in house, so well organized submissions help us move faster on your accounts. You can submit hobby farm risks right from our agent quote page, and we will help you determine whether Travelers Agribusiness farm insurance or another market is the better option.
When things get more complex
As if things weren’t complex enough already, some farms and ranches also take on limited custom work, small-scale direct sales, or other side activities. At that point, it can get tricky to know if the account still fits a farm and ranch form or has moved into a more commercial agribusiness approach. With more people, property, and equipment in motion, it’s important to have carefully coordinated coverage that reflects how those operations actually run.
Never fear, though! The Stroud Crowd will help determine whether the best fit is Travelers Agribusiness farm insurance, our commercial agribusiness program, or another market.
How Stroud National helps you place these accounts
As a managing general agency and wholesale broker, we work exclusively through retail agencies. You keep the client relationship. We bring market access, underwriting support, and ag-specific expertise. Specifically, we help you:
- Prescreen for agricultural exposure and fit with Travelers Agribusiness farm insurance or our other programs.
- Navigate nuances like barndominiums versus dwellings, multiple outbuildings, and mixed-use properties so coverage is structured appropriately.
- Match each ag account to the most appropriate Stroud program.
Next steps
If you’re an agent with ag operations that you’re looking to write, Stroud National is happy to help! Below are some helpful resources and next steps.
- Check the basics: Our FAQ page answers common questions about our programs and how we work with agents.
- Reach out: To talk through a specific account, use our contact form or give us a call at 800-654-4056.
- Submit a quote request: Use our Farm and Ranch Insurance Quote Request forms to submit farm and ranch accounts online.
- Ride with the Stroud Crowd: Complete our Become an Agent form to start the contracting process.
