Tailored Coverage for Agricultural Equipment Manufacturers
Designing and building reliable farm machinery is vital to keeping the agricultural economy running. But for manufacturers of tractors, planters, irrigation systems, balers, and harvesters, one faulty part or workplace incident can lead to serious losses. That’s where Agricultural Machinery Manufacturing Insurance steps in—providing end-to-end protection for your operations, your people, and your products.
Whether your business serves small family farms or large agribusiness operations across California, the right insurance plan helps you stay protected from lawsuits, production delays, and equipment failures.
Coverage Options for Agricultural Machinery Manufacturers
We specialise in policies designed for businesses that build and supply equipment for farming and crop production:
General Liability Insurance – Covers bodily injury or property damage to third parties (e.g., dealers, farmers, or visitors at your plant)
Product Liability Insurance – Protects your business if your machinery or parts cause injury, property damage, or crop loss
Commercial Property Insurance – Insures your factory, warehouse, production tools, inventory, and machinery
Equipment Breakdown Insurance – Covers financial loss if your manufacturing machinery breaks down unexpectedly
Workers’ Compensation Insurance – Required in California to protect employees who suffer injuries during manufacturing or testing
Business Owner’s Policy (BOP) – Combines property, liability, and business interruption into a discounted insurance package
Inland Marine Insurance – Protects machinery and parts in transit between facilities, distributors, or field tests
Surety Bond Insurance – Meets compliance and performance guarantees in California and federal contracts
Risks Faced in Agricultural Equipment Manufacturing
Manufacturing farm equipment comes with unique risks—from defective hydraulics and electrical systems to on-site safety hazards. The increasing complexity of smart tech, GPS integrations, and autonomous machinery means liability can escalate quickly.
Common Industry Risks Include:
Injuries from defective or malfunctioning equipment
Supply chain disruptions affecting parts or production timelines
Claims of property damage due to faulty attachments or hydraulic systems
Employee injuries from welding, testing, or operating heavy machinery
Fire, storm, or water damage to production plants or storage yards
In California, strict agricultural safety laws and manufacturer liability standards demand proactive protection. Without agricultural machinery manufacturing insurance, your business may face costly legal and operational consequences.
Frequently Asked Questions
Q: What types of machinery does this insurance cover?
A: We cover manufacturers of harvesters, seeders, irrigation systems, threshers, rotary tillers, and custom-built attachments.
Q: What if a defect in my machinery causes crop loss on a customer’s farm?
A: Product Liability Insurance can cover third-party property damage or financial loss caused by equipment malfunction or design flaws.
Q: Does this include fire or theft coverage at the plant?
A: Yes. Commercial Property Insurance protects your facility, tools, and inventory against fire, theft, vandalism, and natural disasters.
Q: Can I get coverage for mobile repair techs or field testing?
A: Absolutely. Inland Marine and General Liability policies can be extended to cover mobile units or field testing scenarios.
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Still Have Questions?
Whether you’re expanding your floor space or integrating new robotic automation, let’s make sure your insurance grows with your operation. Our team works closely with manufacturers across California to deliver scalable coverage that protects your shop now—and into the future.