Country Estate E&S is a Lloyd’s-backed E&S agribusiness solution for high-value rural homes, family farms, ranches, estate farms, and related farm/ranch exposures that may be difficult to place in standard or admitted markets.

It is designed for accounts where rural property, farm/ranch use, occupancy, outbuildings, farm personal property, CAT exposure, construction, or loss history create placement friction.

Country Estate E&S may be a fit for accounts such as:

• Family farms and ranches
• Gentleman and estate farms
• High-value rural homes with farm/ranch exposures
• Horse farms with minimal public exposure
• Pleasure horse risks
• Limited or minimal boarding, where acceptable
• Growers where crop sales are present
• Incidental vineyard, grain, field crop, citrus, nursery, cattle, sheep, or small chicken/egg exposures

A rural property may become an E&S fit when standard markets are uncomfortable with the full account profile. Common drivers include high-value dwellings with farm/ranch exposures, non-owner-occupied farm dwellings, tenant-occupied properties, leased or farmed-by-others situations, older roofs, unique construction, rural protection class, vacant or unoccupied buildings, prior losses, or CAT concerns.

Yes. Country Estate E&S may consider equine exposures involving pleasure horses and minimal or limited boarding where acceptable.

The program is not intended for public riding academies, public trails, commercial stockyards, sale barns, or similar high-public-exposure operations.

Coverage may be structured using a farm/ranch property framework that can include dwelling, other private structures, household personal property, additional living expense, scheduled farm personal property, unscheduled or blanket farm personal property, and farm barns and buildings.

Coverage configuration varies by occupancy, property characteristics, underwriting review, and applicable state or CAT guidelines.

Liability may be available for eligible farm and equine exposures. Typical liability limits are GL $1M / $2M / $2M, subject to underwriting review.

• Minimum property premium: $5,000
• Minimum property deductible: $5,000
• Target TIV profile: up to $10,000,000
• Maximum location limit without facultative reinsurance: $10,000,000
• Typical liability profile: GL $1M / $2M / $2M
• Agency bill
• Non-admitted E&S placement

Typical quote turnaround is 24–48 hours from a complete submission.

Complete underwriting information helps the team evaluate the account faster and avoid unnecessary back-and-forth.

For fastest review, please include:

• Completed and signed ACORD Agriculture application
• Labeled photographs of all four sides of each building plus roof, or aerial imagery
• Diagram showing all buildings, including those not insured, with distances between structures
• Cost estimator / ITV documentation using the appropriate building cost estimating tool
• Current loss runs for the past five years
• Applicable supplements, such as equine, older home, or wood stove

Yes. Country Estate E&S is not intended for every rural or agricultural account. Examples of risks that are generally not eligible include vacant farms/ranches, deteriorating property, buildings under construction or structural renovation, dude ranches, resorts, camps, retreat facilities, public riding academies, commercial stockyards, tobacco farms, commercial grain elevators, manufacturing operations, crop dusters, mining risks, and hog confinement.

Country Estate E&S is written on a non-admitted E&S basis and is not protected by state guaranty funds.

Brokers can send submissions to [email protected].

For underwriting questions, contact Tammy Hooker, Underwriting Manager, at [email protected].