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Thoughtful Coverage for Farms & Ranches

Covering farms, ranches, and orchards since day one.

We have over 120 years of experience working with farmers and ranchers throughout the Northwest and Intermountain West. If you are looking for an insurance company that understands farming, please ask your agent about Mutual of Enumclaw.

We offer a Farm Package Policy, protection for farm vehicles, and umbrella/liability coverage. Additional coverage is available for specialty businesses including Wineries & Vineyards, Dairy Farms, and Business & Agritourism Activities.


Mutual of Enumclaw Business Insurance

If your insurance needs extend beyond your farm, you may want to ask your local independent agent about Mutual of Enumclaw Business Insurance products.


Your Local Independent Agent

A thoughtful independent agent can help determine the right combination of insurance products for you and your business. They can explain coverage options and help identify any available discounts. 

Please be sure and talk with your agent about:

  • The type of farm or ranch you operate and its acreage
  • How many people you employ (including seasonal workers)
  • Whether you operate an agritourism business such as a pumpkin patch or corn maze
  • Whether you own, rent, or lease your property
  • Your corporate structure (sole proprietor, LLC, partnership, corporation, etc.)
  • If you have a home or other personal property on your farm or ranch

Customize your policy from our farm products.

In addition to Property and Liability coverage, we can work with you to customize a policy that fits your needs.

  • Disruption of Farming Operations
  • Employment Practices Liability Insurance
  • Data Breach & Cyber Liability
  • Equipment Breakdown
  • Liquor Liability
  • Employment Benefits Liability
  • Farm Pollution
  • Livestock & Livestock Collision
  • Primary/Secondary Homes
  • Excess Liability
  • Agritourism
  • And more

Get Farm Auto insurance, too.

Whether you're on the highway, in town, or on your farm, we offer extensive coverage for autos. Learn more.

We have more ways to cover you correctly.

Providing exactly what you need is why we're here. We offer a variety of services and coverages to insure your farm or ranch the right way.

Have prompt, nationally recognized claims handling when you need it.

When something happens, experts are there. Our award-winning claims service is available 24/7 to quickly get you the help you need.

Report a claim online or by phone.

Our AM Best rating means you can count on stability.

In November 2019, AM Best affirmed our A- (Excellent) rating for 2020 with a Stable Outlook.

In September 2019, Demotech affirmed our A' (Prime) Unsurpassed Financial Stability Rating.

View our Annual Report to see our strong financial performance.

Meet Art Druffel, farm owner.

See how our customized coverage is helping meet the unique needs of a growing business.

For Current Members

In addition to Property and Liability coverage, we can work with you to customize a policy that fits your needs.

Intellicorp offers a discounted rate for background checks to our Farm members. Learn more.

Mutual of Enumclaw Wildfire Program: We have partnered with Wildfire Defense Systems, Inc. (WDS) to help protect your property if a wildfire event occurs in your area. Learn more.

Mutual of Enumclaw Perks: You can save with daily deals at nearby restaurants and retailers, enjoy thousands of discounts across the United States, and get up to 40% off at over 300 popular theme parks and attractions. Learn more.


Resources made to help.

Thoughtful is how we do things, and that means helping out in every way possible. Check out our collection of preparedness videos, tips, infographics, checklists, and more.

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The information we share on our site is intended to serve as a general overview. Please refer to your policy or contact your local independent agent for specific coverage details.
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