Our Services & Programs
Comprehensive, USDA-subsidized risk management and property coverage tailored for modern agriculture.
Agricultural Insurance Products
Click any policy to review full coverage rules, government subsidy percentages, eligibility guidelines, and application deadlines.
Livestock Risk Protection (LRP)
Federally subsidized price floor protection against declining market prices for feeder cattle, fed cattle, and swine.
Pasture, Rangeland & Forage (PRF)
A federally subsidized rainfall index insurance policy that protects ranchers against precipitation deficits and drought.
Annual Forage Insurance (AF)
Covers crops planted annually for livestock grazing, haying, or silage across twelve distinct growing seasons.
Farm & Ranch Comprehensive Insurance
Customized farm and ranch insurance packages covering dwelling, outbuildings, barns, machinery, tack, and broad liability.
Equine & Show Stock Coverage
Full mortality, major medical, colic surgery, loss of use, and transit coverage for performance, breeding, and rodeo horses.
Crop Insurance (MPCI & Crop-Hail)
Multi-Peril Crop Insurance (MPCI) and private Crop-Hail coverage protecting yields, revenue, and input investments.
Dairy Revenue Protection (Dairy-RP)
Protects commercial dairy producers from quarterly revenue declines caused by dropping milk prices or regional yield declines.
Apiculture Insurance Program (API)
A specialized rainfall index insurance policy for beekeepers, protecting honey yields and hive vitality.
Exotics & Rare Livestock Insurance
Individual all-risk mortality, herd coverage, transit, and dart & capture protection for exotics, game, and specialty animals.
Home & Auto Insurance (Ranch Bundling)
Personal lines coverage bundled with farm and ranch policies for maximum savings and simplified claims.
Commercial Agribusiness Insurance
Commercial property, general liability, commercial auto, and workers' compensation for agribusinesses of all sizes.
Maximize Your Federal Premium Subsidies
Our licensed agents help you optimize coverage levels and pricing intervals to capture maximum USDA Risk Management Agency premium subsidies (up to 59%).
Frequently Asked Questions
Find clear answers on coverage rules, government subsidies, and policy mechanics.
No. Submitting a quote request or contact form does not bind, alter, or guarantee insurance coverage. Coverage cannot take effect until your application is reviewed and formally approved by an underwriter, and written confirmation is issued by 4T Ag Insurance.