Agri-Business Insurance

for farms, ranches, and ag operations

Agri-business insurance combines farm property, liability, commercial auto, workers' compensation, and federal crop programs into one coordinated program for a working agricultural operation. WSR is an independent agency with access to various admitted ag carriers, allowing us to build the program around how your operation actually runs.

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What Agri-Business Insurance Covers

Most working operations need five or six of the policies below. We write them as one coordinated program so a single loss (a barn fire, an overturned truck, a hailed-out field, etc.) never falls into a gap between two policies.

Property Insurance

Coverage for dwelling, barns, shops, hay, grain, livestock, and machinery/equipment.

Farm Liability

Protect your operation from claims involving bodily injury, property damage, or accidents that occur on your farm or as part of your farming activities.

Commercial Auto

Liability and physical damage for trucks, trailers, and commodities in transit.

Workers' Compensation

Seasonal, H-2A, and year-round payroll classified correctly the first time, with safety review to hold your ex-mod down.

Warehouse Legal Liability

For packers, hullers, and cold storage holding customers' commodity: coverage for goods damaged in your care, custody, or control.

Umbrella Liability

Excess liability above your auto and farm limits.

Coverage by Industry

A dairy, an almond huller, and a cow-calf outfit need very different programs. Pick your operation to see the risks we see most and the coverage that usually answers them.

Row & Field Crop
Cattle Ranch
Dairy
Orchard & Vineyard
Apiculture
Processor & Warehouse
Row & Field Crop Operations
RISKS WE SEE MOST

• Yield/revenue loss from weather or market conditions
• Auto losses
• Equipment theft and damage
• Custom farming losses
• Wind damage on barns and shops

TYPICAL PROGRAM
Multi-Peril Crop Insurance (MPCI)
Whole Farm Revenue Protection
Farm & Ranch Package
Auto Liability & Physical Damage
Cattle Ranchers
RISKS WE SEE MOST

• Forage shortfall in dry years
• Falling feeder-cattle markets
• Fire on leased rangeland
• Livestock in transit and at auction

TYPICAL PROGRAM
Pasture, Rangeland, & Forage (PRF)
Livestock Risk Protection (LRP)
Pasture Fire Protection
Umbrella Liability
Dairy Operations
RISKS WE SEE MOST

• Milk price and feed-cost margin swings
• Refrigeration and bulk-tank damage
• Employee injury
• Manure and environmental exposure

TYPICAL PROGRAM
Dairy Revenue Protection
Property Insurance
Workers' Compensation
Environmental Liability Insurance
Orchards & Vineyards
RISKS WE SEE MOST

• Yield/revenue loss from weather or market conditions
• Auto losses
• Equipment theft and damage
• Custom farming losses
• Agritourism and tasting-room visitors

TYPICAL PROGRAM
Multi-Peril Crop Insurance (MPCI)
Whole Farm Revenue Protection
Farm & Ranch Package
Commercial General Liability
Beekeepers & Pollination Services
RISKS WE SEE MOST

• Lack of rainfall on forage grids
• Colony loss and theft of hives
• Long-haul pollination transport

TYPICAL PROGRAM
Apiculture PRF (Rainfall Index)
Commercial Auto
General Liability
Workers' Compensation
Processors, Packers, & Warehouse
RISKS WE SEE MOST

• Customer's goods damaged in your care
• Contamination and product recall
• Fleet and loading-dock injuries
• Business interruption during peak season

TYPICAL PROGRAM
Warehouse Legal Liability/Stock Throughput
Property & Liability
Auto & Trucking Insurance
Workers' Compensation

Get an Ag Program Built for Your Operation

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Related Coverage
Explore Other Ag Insurance Options
Crop Insurance
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PRF (Lack of Rainfall)
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Livestock Risk Protection
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Whole Farm Revenue Protection
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Custom Equine Insurance
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Pasture Fire Protection
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Annual Forage
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Personal Insurance
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Tractor on Farm

Why choose WSR insurance?

Independent Expertise

As a fully independent agency, we offer unbiased advice and tailored solutions without the constraints of corporate interests. Your needs drive our recommendations.

Community Focus

We prioritize our local community, treating our clients like neighbors and friends. Our commitment to your success means we’re invested in helping you thrive.

Collaborative Approach

Our team-oriented management style ensures that every member contributes to your experience. This collaboration leads to personalized service and comprehensive support for all your insurance needs.

Integrity and Trust

With a foundation built on integrity and honest hard work, you can trust us to act in your best interest. Our industry expertise empowers us to provide you with reliable guidance and effective risk management.

What people say about WSR insurance

At WSR Insurance, our clients are at the heart of everything we do. We pride ourselves on providing exceptional service and tailored solutions to meet your unique needs. In this section, you’ll find genuine feedback from our valued customers, sharing their experiences and insights. From our responsive support team to our comprehensive coverage options, hear firsthand how we’ve made a difference in their lives. We invite you to read their stories and see why so many trust WSR Insurance for their insurance needs!

about us

Michelle Connor

profound recovery solutions

I am thrilled to share my experience working with Wraith, Scarlett & Randolph (W.S.R.) From the very beginning, their professionalism and commitment to excellence stood out. W.S.R.’s ability to communicate effectively makes a significant difference. One of the highlights is the attention to detail and passion for their work resulting in meeting deadlines on a consistent basis. I wholeheartedly recommend W.S.R. to anyone looking for benefits, insurance, etc. They not only deliver results but also make the continuing process enjoyable and stress-free.

Kimberly Baertsch

Valley Hydraulics & Machine, Inc.

When the decision was made to find a local insurance agent for the needs of our Yolo County business, we turned to Wraith Scarlett & Randolph Insurance. They were particularly diligent in their determination of coverages and classifications across the policies we require and were able to provide us with very competitive rates. The team at WSR is efficient, responsive and knowledgeable, providing a professional experience with hometown ease.

Matt & Sara Stayer

Stayer Quality Queens

Making a living in an industry that is completely dependent on weather, we knew we needed to find someone to help us manage our risk. Choosing to work with WSR has been one of the finest business decisions Stayer’s Quality Queens has made. WSR and their team have streamlined the process of providing Crop Insurance and made it easy to understand.

Patrick Wilbanks

Wilbanks Apiaries, Inc.

After one year of working with WSR on my lack of rainfall insurance, I have a much clearer understanding of the program. One of the things I appreciate most about WSR is their diligent attention to detail and the time they put on scrutinizing every grid and interval of my policy. WSR has written my policy to put me in a position where I am appropriately managing the weather-related risk involved with my business without adding unnecessary risk with my insurance.

Donald Doverspike

Hotchkiss company

WSR’s knowledge and service is exceptional. These have been very valuable tools for our operation in these new times, to help mitigate risk. Highly recommend to anyone.