Prairie Farms Grain Package™

Red River Mutual’s comprehensive PRAIRIE FARMS GRAIN PACKAGE™  insurance policy is uniquely designed specifically for you, the large grain farm operator. Filling in the gaps left by the traditional farm policy.

For customized policy quotes, contact your preferred Red River Mutual Broker. To find your preferred broker, click here.


  • Policy must include a minimum of 3,500 acres
  • Farm must have at least one person (or group) assigned to safety protocols
  • Minimum $2,500 deductible


Blanket Coverage on All Buildings including bins.
This package provides blanket coverage on all your farm outbuildings including grain bins at all locations you own, rent or occupy.


Blanket Coverage on your Farm contents including:

  • Miscellaneous farm contents
  • Tools, equipment and repair supplies
  • Irrigation equipment
  • Grain Dryers
  • Blanket Farm Machinery
  • Threshed Grain

Package includes basic limits which can be adjusted to meet your individual farming needs.


Comprehensive Farm Liability

  • Basic package includes up to 3,500 acres
  • Up to $25,000 for Medical payments
  • Non-owned Automobile coverage included
  • Trade Show Liability included for operations with gross trade-show related receipts under $10,000
  • Employers Liability Extension included for operations with less than $100,000 payroll

Extension Endorsement

  • Accidental Death & Dismemberment (AD&D)
  • Blanket By-Laws
  • Building Damage by Theft (on Fire & E/C)
  • Computer Coverage
  • Corrals and Fencing Coverage
  • Cross Liability Coverage
  • Debris Removal
  • Equipment Breakdown Coverage
  • Exhibition Coverage
  • Extra Expense
  • Farm Office Furniture and Expenses
  • Farm Sign Coverage
  • Farm Water System Coverage
  • Fertilizer, Chemicals, Fodder
  • Threshed Grain, Produce
  • Fuel and Fuel Tank Coverage
  • Good Neighbor coverage
  • Loose Hay Fire Coverage (in the open)
  • Loss of Use Coverage
  • Newly Acquired Locations
    • i) Building
    • ii) Machinery
    • iii) Livestock
  • Pollution Cleanup and Removal
  • Private Power and Light Poles
  • Professional Fees/Cost of Preparing
  • Proof of Loss
  • Property in the Custody of a Common Carrier
  • Property Removal to Reduce Loss
  • Reward
  • Standing Crop Coverage (Grain and Seed)
  • Standing Crop Coverage (Hay and Straw)
  • Valuable Papers & Records
  • Veterinarian Supply Coverage
  • Fire Fighting

Optional Coverages Available

  • Homeowners Coverage
  • Sewer Backup
  • Seed Cleaning operations coverage available (based on inspection)
  • Seed Liability
  • Rent or Rental Value
  • Voluntary Coverage for Employees