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Farm Liability Insurance

Safety and Reassurance On Your Farm

A great amount of responsibility goes into running a farm or ranch. From the operation of farm machinery and equipment to the sometimes unpredictable nature of barnyard animals, farmers are subject to a much higher risk of liability than other property owners. Brown Insurance Services LLC understands this risk, and is proud to offer complete liability protection for you and your agribusiness.

Under a standard Farm Liability Insurance policy, Brown Insurance Services LLC will help cover the expenses in which you become legally obligated to pay for bodily injury claims on your property and damages to another person’s property as a result of a covered accident.

Some common liability expenses covered under your policy include:

  • Attorney fees and court costs
  • Medical expenses for people injured on your property
  • Injury or damage to another’s property caused by your animals
  • Other claims for injury resulting from specific farm operations

Brown Insurance Services LLC is committed to serving you. That is why we strive to offer insurance solutions to meet the individual needs of you and your business. There are a number of factors that may influence the type of coverage you’ll need, such as the size and type of your farm. Our farm insurance professionals will help you design the right policy to ensure that all of your special interests are protected.

Our Locations

Brown Insurance Services LLC - Corporate Office

1418 West 23rd Street, Ste 200
Panama City, FL 32405
Main office: 850-215-5331
Toll free: 866-878-7786

Brown Insurance Services LLC - Orlando Office

555 W. Winderley PL Ste 300
Maitland, FL 32751
Main office: 407-571-6925

Clark Insurance Services LLC

1414 Main Street 9A
Chipley, FL 32428
Main office: 850-638-1927
Toll free: 850-638-1929

Our Providers


I am very happy to recommend Mr. Jay Hancock of Brown Insurance Services to your association. Jay worked tirelessly for months to have The Pearl re-rated by FEMA for flood insurance purposes. At first I was skeptical because I thought that we had already done all that we could do to make sure that the building was properly rated. But, Jay's hard work and expertise has resulted in lower flood premiums for our association. Altogether, the 2009-2010 insurance renewal saved the Pearl's Association approximately $44,000 over last year's premium. After the positive results were achieved at The Pearl, I asked Jay to help us with Majestic Beach Towers, where Jay was able to save us $155,000 over last year’s premium. The best part is that these savings will continue year after year. Jay also worked hard to provide us with the best overall package on all of the other insurance needs of these two associations. He was very communicative and always accessible. Obviously, every project stands on its own, and your individual circumstances will dictate whether or not you can save on your insurance premiums. However, I have no doubt that Jay will work diligently and effectively as an advocate for your association and that you will be happy with his services.
Jimmy Lewis, President, The Pearl of Navarre Beach Condominium Owners Association (Navarre Beach FL), Majestic Beach Resort Community Association, Inc, (Panama City Beach)
Rob: My gut told me that hiring your firm was the correct decision for our PI HOA members. My view is that insurance is all about service due to the regulations and rates being somewhat the same. This is exactly what we needed and we can not thank you enough along with Brooks and Shorey. In light of this most difficult economy we really needed this in order to keep our foreclosure rate to a bear minimum. I remain committed now more than ever to reference you and your firm.
Hugh Randall, VP PI HOA, Pelican Isle Condominium
I would like to take this opportunity to thank you both on behalf of the One Beach Club Drive Condominium Association Board of Directors and owners for the superior level of customer service you have continued to provide us. On every occasion that the association has called upon you, you have gone above and beyond the level of service that we would expect, in most instances presenting yourselves in person. Your willingness to accommodate the association with even the smallest request speaks very highly of you as individuals and your company. Again, thank you both for your exemplary service and we look forward to growing our relationship with you for many years to come.
Donna Free, Association Manager, One Beach Club Drive Condominium Association (Sandestin, Florida)
We have been very pleased with the service and attention Brown Insurance Services has given our association. They have actively shopped the marketplace to provide us with the best possible insurance at the lowest cost. We were very pleased with a rebate they obtained for us on our flood insurance. They have been proactive throughout the year by offering special loss control and risk management services. They have been very accessable and readily available to any questions of the board, management, or association members. I think you would be pleased with their service.
Jim Brown, President, Sterling Shores Owner's Association (Destin, Florida)
The benefit of having a good agent quickly became apparent when hurricane Ivan hit in September, 2005. Rob attended board meetings and homeowner meetings, answering the questions and concerns of homeowners with knowledge and experience. With the time and focus Gulf Dunes received from Rob one would think we were his only client. While some associations suffered due to inefficiencies or faltering insurance companies, Rob stayed on top of our Flood and Wind insurance companies over the many months following the storm. This ultimately paid off with our claims being fairly settled even though money was in short supply. It is a pleasure to recommend Rob – a person with honor and integrity, as well as ability in his field.
Linda Herbert, Former Board President, Gulf Dunes Condominium Association (Okaloosa Island, Florida)
I wanted to convey how pleased the Shores of Panama Condominium Association has been with our experience in obtaining association insurance coverage. Brown Insurance Service representatives Rob Tallent and Craig Brown were instrumental in significantly decreasing our premiums. We saved well over $380,000 because of their diligence and determination. They went to the extent of bringing representatives from the underwriters to view our property in order to maximize our savings. We feel they exerted more effort on our behalf than all other agents combined. I have no doubt they will do the same for your association. They are very knowledgeable and professional. I found their advice to be beneficial to the association and individual owners as well. Please feel free to call me if you have any questions concerning our experience.
Greg Crosby, President, Shores of Panama Resort Community Association, Inc. (Panama City Beach, Florida)
As we approach the end of the year and prepare for 2008 I want to recognize you and your team's valuable proactive insurance and risk management services for our condominium association. As our insurance trustee for the past four years your tenacity in obtaining reasonable premiums and the fair settlement of claims has benefited our association immeasurably. Your assistance following hurricane Ivan was instrumental in our recovery to normal operations. We recognize that the insurance industry in Florida is still in a state of extreme stress and flux, in spite of the actions of the legislature to stabilize the situation. Your efforts to help us understand what is happening through your newsletters and memos have contributed significantly to our ability to forecast expenses and budget accordingly. We are confident that you will continue to work diligently to offer quality, proactive services while always striving to put the best insurance program in place for our association at the best value. Thank you again for your relationship.
Martin M. Burdick, Association President, Gulf Dunes Condominium Association (Okaloosa Island, Florida)
I had no idea what risk management was until I met Rob and Craig. I was impressed that an agency would return to their clients, in proactive service, a part of the premium. I had heard of people getting all kinds of favors from insurance agents in return for business. But this seemed to me a way for all the owners to benefit not only from the coverage, but an added bonus in the form of service. For me the best thing you did was evaluate the different carriers and options available to our condo. We also feel secure that in the case there is a disaster that causes damage to our property, we have a team of people trained in disaster management to help us. You even made a short list of contractors for us to call.
Byron Spice, Board Secretary, The Nautilus Condominium Association, Inc. (Flagler Beach, Florida)
Rob and Craig, along with their entire team of professionals, do an outstanding job of servicing our needs and communicating with us. When a hurricane was threatening our coast they proactively called to assure us they were ready to respond to our potential claims need. We were able to save $24,000 in premiums, because they alerted and educated us on ways to mitigate our property. Upon their recommendation a condominium insurance committee was formed and has been extremely beneficial to the board of directors as well as unit owners; Rob and Craig meet with us on a regular basis offering explanations and helping us make studied and educated decisions regarding coverage.
Pat Pace, Insurance Chair, Beach Winds Condominium Association, Inc. (Cocoa Beach, Florida)
Rob and Craig provide proactive insurance and risk management services for our condominium. With their help we were able to receive lower rate for our wind policy, which was a considerable savings to the association. They have never taken for granted the fees we pay for our associations insurance. They have given sound advice on having appraisals of our property and have worked personally with our board members on the best protection in all of our insurance needs. Customer service is a serious business with them and they have always been professional and dependable.
Therese A. Rushing, Association Manager, Aliki Tower Condominium Association, Inc. (Daytona Beach, Florida)
We interviewed and researched a number of alternatives prior to selecting you and your company to supply our insurance and emergency planning needs. Your approach to the business was simple yet noticeably different. You easily convinced us that you had the ability to shop all of the markets and provide us with a comprehensive and competitive package of insurance. What distinguished your company from the pack are the time, interest, equipment, prior experience and skills that your staff brings to us in a time of emergency need. The policies are comprehensive and complex, and having someone who can do more than just shop for price is an invaluable asset both before a claim, during, and after.
Tim Sullivan, President, Harbor Landing Homeowners Association, Inc (Destin, Florida)