American Modern Launches Farm and Ranch Insurance Program

• By: Will Jones
• April 4, 2026

PRODUCT: American Modern Farm and Ranch Insurance Program.

COMPANIES: American Modern Insurance Group Inc., a Munich Re company; Bridge Specialty Group; South & Western.

BEST RATING: A+.

AVAILABILITY: Via appointment with Bridge Specialty Group.

FOCUS: American Modern, a Munich Re company, recently announced the launch of a new Farm and Ranch Insurance Program distributed through Bridge Specialty Group.

The program provides independent agents with a comprehensive, flexible insurance solution tailored to the unique needs of farm and ranch operators—from small hobby farms to producers whose livelihoods depend on their farm assets.

“Agents have been asking for a farm and ranch product that’s broad in coverage yet simple to place,” said Brad Fisher, vice president, specialty clients, American Modern. “We’re pleased to partner with Bridge Specialty Group and its trusted brands to deliver a program designed for agents and supported by a carrier they can count on.”

COVERAGE DETAILS: Agents benefit from a robust product offering, a refined appetite to enhance market stability, direct access to farm-focused underwriters, a dedicated farm claims team and a streamlined quoting portal.

Coverage highlights include property insurance with multiple enhancements available to cover farm dwellings, outbuildings, equipment, livestock, harvested crops and farm earnings; farm liability insurance for personal and farm-related incidents; auto coverage for both personal and farm-use vehicles; umbrella policies for increased liability exposure protection; and multiple cyber and equipment breakdown options.

UNDERWRITING: Bridge Specialty offers an online farm, auto and umbrella rating portal that enables agents to quickly obtain indications and work with their assigned underwriter to finalize acceptability and terms.

TARGET: Production crop and livestock farms, ranging from small hobby farms to larger-scale farm operations.

Specialties include commercial vegetable, fruit and nut farming; meat and dairy processing; fertilizer manufacturing and storage; grain elevators and co-op operations; plant and tree nurseries; dude ranches and trail riding; feed, grain and hay dealers; vineyards and annual crops; livestock sales and breeding; hobby farms; equine, including boarding, breeding and training; and large acreage farms.

COVERAGE AVAILABILITY: Currently available in Arizona, Minnesota, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Texas and Wisconsin, with additional states planned by 2027.

CONTACT: Nate Nieschwitz, director, specialty client underwriting, American Modern; Scott Reinhardt, practice group leader, farm and ranch, Bridge Specialty Group.

Will Jones is IA editor-in-chief.