The ACORD 133 Farm and Ranch Application is used to apply for farm and ranch insurance — a specialty line that combines elements of property, liability, and dwelling coverage for agricultural operations. Farm policies are written differently from standard commercial lines, with coverage structures and rating factors specific to agricultural risks. Agents who write farm accounts regularly will use the ACORD 133 as the primary submission document.
The ACORD 133 is used for: • Family farms and ranches with agricultural operations • Hobby farms and small agricultural properties • Livestock operations (cattle, hogs, poultry, horses) • Grain operations and crop storage • Dairy farms • Vineyards and orchards • Mixed-use properties combining residential and agricultural use
A standard farm policy package includes:
Farm dwelling — covers the farmhouse and its contents, similar to a homeowners policy
Farm structures — covers barns, outbuildings, grain bins, silos, and other farm structures
Farm personal property — covers farm equipment, machinery, livestock, feed, and supplies
Crop coverage — covers growing crops against named perils (usually fire, lightning, hail, and windstorm). Multi-peril crop insurance is typically a federal program handled separately.
Farm liability — covers bodily injury and property damage arising from farming operations. Farm liability is broader than standard GL, covering unique farm exposures like custom farming operations and agritourism.
Farm underwriters need to know:
• Total acreage and how it is used (cropland, pasture, timber, etc.) • Types of livestock and their approximate values • Farm equipment schedule with values (tractors, combines, planters, etc.) • Grain storage capacity and current inventory • Any hired farm labor and payroll (affects liability and workers comp exposure) • Custom farming operations — does the insured farm other people's land for hire? • Any agritourism activities (corn mazes, farm stands, hayrides, U-pick operations) • Prior farm losses
Agritourism — inviting the public onto farm property for entertainment, sales, or education — is a growing exposure that can dramatically change the farm's liability profile.
A farm with a corn maze, pumpkin patch, or farm-to-table dinner events has public liability exposure similar to an amusement facility. Standard farm liability may not cover organized public events or commercial agritourism activities.
Agents should specifically ask about any activities that bring members of the public onto the farm. Some states have agritourism immunity statutes that limit farm liability, but the extent of protection varies significantly.
Undervaluing farm equipment — replacement cost for modern agricultural machinery is very high
Not asking about hired labor and missing the workers comp exposure
Overlooking agritourism activities that require specialized liability coverage
Not scheduling individual high-value equipment items separately
Missing the grain storage and livestock values in the property schedule
Send your client a plain-English intake link. When they finish, the completed ACORD 133 and all required companion forms are generated and ready to submit.