Liability insurance for everyday risks on and off the farm.
Coverage That Protects You & Your Land
Farms aren’t just open land—they’re places where neighbors visit, workers help out, and unexpected things can happen. Farm liability coverage protects you from costly lawsuits if someone is injured, if livestock causes damage, or if an accident puts your operation at risk. At Schutz Insurance, we help Alabama farmers understand what’s required and what’s smart—without overdoing it.
What It Covers
Bodily Injury
Covers medical bills and legal fees if someone is hurt on your property or due to your farm operations.
Property Damage
Covers unintentional damage to someone else’s belongings or land caused by your equipment, livestock, or crew.
Defense & Settlements
Pays for legal costs if you’re sued—even if the claim is false or exaggerated.
Frequently Asked Questions
Is farm liability the same as homeowners liability?
No—farm liability is broader and designed for working properties. We’ll make sure your coverage fits how you use your land.
What if someone gets hurt on my property?
This coverage can help pay for injuries and protect you from lawsuits—even if the person was invited or trespassing.
Are workers or helpers covered?
Some policies cover part-time labor or volunteers. We’ll make sure your policy reflects your actual staffing setup.
What if my cows get out and cause an accident?
That’s exactly the kind of situation farm liability is made for—we’ll make sure it’s included.
Does this cover product liability for what I grow?
That can be added if you sell goods to the public. We’ll talk through your sales channels and risks.
Running a farm means managing risk—from gate to fence line. With farm liability insurance from Schutz Insurance, you’ll get local insight and reliable protection that keeps your land, your livelihood, and your peace of mind intact.