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The Hummel Group is an independent insurance agency, specializing in farm & ranch insurance for Midwest USA states. From family farms, ranches, containment operations, hobby farms, to large commercial farming operations, and more, we will customize programs to make sure your farm is fully protected. Our farm insurance experts work with you to develop a timeline that addresses changing needs for farm equipment and building values. Best of all - we do this at no cost to you!
From dealing with the EPA to having special coverage that allows you to rent a replacement machine in the event your equipment ingests a rock or fence post, we have agents that specialize in the small details that make farm insurance unique. As an independent agency, we represent many highly rated farm insurance companies, giving you access to more options and competitive pricing. We serve the entire midwest region. Ohio, Indiana, Illinois, Kansas, Iowa, Kentucky, Michigan, Pennsylvania, Missouri & more.
You don't just need insurance. You need an expert partner who "gets it". Who listens, cares & provides fresh ideas and innovative solutions to the issues that keep you up at night. And that's what Hummel's farm insurance agents specialize in!
Get answers to these questions and more like them - contact us today!
Since 1957, Hummel has been building its business on its uncompromising values of integrity, trust & hard work.
When it comes to insurance for farms, this means that your Hummel risk advisor is going to provide you with a custom-tailored plan that's best for you, not our company. We're in the business of trust-building, not selling policies.
Hummel Group is a Trusted Choice Independent Agency.
To learn more about what this means for you, take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo.
Claims Service You Can Count On.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.
Do I have coverage for underground pollution if a gas well is on my property?
No. Most farm policies have “business pursuits” and “Other than farming” exclusions. It’s often a good practice to carefully review your lease terms if a drill site is being located on a property.
I am going to sell produce on my farm. Do I have coverage?
This type of custom farming must be endorsed on the policy for proper coverage. If your agent doesn’t know about it, you can be exposed to an uncovered claim.
I board my neighbor’s horse, do I have coverage?
Horse boarding requires an additional endorsement at an additional cost. Speak with our agents to get this coverage secured as soon as possible if you are boarding horses.
My cow escaped from pasture and hit a vehicle, do I have coverage?
Your farm policy will provide liability coverage to the damages of the vehicle in this instance, and any injuries sustained. Coverage for the cow depends on your farm insurance. This is why it’s important to go over the particulars of your farm with an experienced agent.
Why is my home/barn insured for so much?
Your insurance will provide the amount of money needed to rebuild the structure from scratch if they were completely destroyed. That’s why your insurance will not necessarily follow the market value of your farm—the cost to buy the structure is not the same to rebuild it.
Is my ATV covered?
Let your agent know about any ATVs to discuss options, but generally farm policies must have ATVs scheduled for off premises liability and physical damage coverage.
Do I have coverage for milk contamination
A run of bad milk can easily contaminate the entire milk truck, but the damage to others milk is typically covered by your liability.
Is my tractor covered for liability while it's on the road?
Our farm programs do provide this coverage to make sure your farm equipment can stay mobile between multiple locations.
Our offices are in Ohio and Indiana but we serve dairy farms, ranches, grain farms, fruit & vegetable farms, livestock operations, pig farms, poultry farms, aquaculture operations, and many more ag-related clients across the entire Midwest US region: Illinois, Indiana, Iowa, Kentucky, Michigan, Missouri, Nebraska, Ohio, Pennsylvania, West Virginia & beyond.
Although a bulk of our clients are in the states listed above, we also write policies in all 48 contiguous states. So no matter where you are, please reach out so we can help you!