Why This Matters for Complex Ag Operations
The Risk Intelligence Series is designed to help agricultural leaders step back and evaluate where gaps may exist. Through practical, expert-led sessions, this series offers perspectives to help you identify hidden risk, ask better questions, and make more confident decisions across your operation.
This three-part Property & Casualty series focuses specifically on how physical and operational risk is structured within large agricultural enterprises. Across these sessions, we explore where coverage can become misaligned with real-world operations, how underwriters evaluate risk, and where hidden gaps can emerge—helping you better assess whether your current approach reflects the realities of your operation today.
Content and presenters provided by Gallagher Insurance Company.
Session 1: Insuring the Physical Enterprise: Property Risk for Ag Operations
As agricultural operations grow in scale and complexity, property insurance often becomes misaligned with the true risk profile of the operation.
Key takeaways:
How property insurance is structured for large ag enterprises.
Where coverage gaps commonly emerge.
Assessing the alignment of your property coverage to today’s reality.
Questions to ask to ensure assets are properly protected.
Presenters: Shane Behlorad and Wayne Luebbe, Gallagher Insurance
Session 2: Liability, Contracts, and the Ag Enterprise: Managing Casualty Risk Across Entities
Large agricultural operations face expanding liability exposure driven by labor, transportation, multi entity structures, and increasingly complex contractual relationships.
Key takeaways:
How risk actually flows through your operation.
How contracts, leases, and service agreements can unintentionally shift or concentrate risk.
Aligning insurance programs with those obligations.
Presenters: Wayne Luebbe and Brad Willadsen, Gallagher Insurance
Session 3: Beyond Traditional Insurance: Advanced Risk Placement Strategies for Large Ag Operations
For some large agricultural enterprises, traditional insurance alone may no longer be the most efficient way to manage risk.
Key takeaways:
Alternative risk placement strategies commonly used by complex ag operations, and other risk financing structures.
When does each approach make sense.
What operational and financial discipline is required.
How to evaluate tradeoffs between cost, volatility, and control.
Presenters: Brad Willadsen and RP Lopez, Gallagher Insurance