Experienced underwriters who understand the market and your insured's needs, coupled with broad competitive products, direct bill, and exclusive strategic alliances with standard nationally known markets provide a valuable advantage and resource to your agency. Whether your client is a "Gentleman Farmer" or an "Agribusiness Account", South & Western can provide a full-farm lines solution. Farm coverages are offered on an admitted basis and available on two forms; ISO and FRO (Texas only). All lines are Direct Bill and offer multiple payment options.

South & Western has been partnered with the Travelers Group of companies for over 10 years, offering exceptional products and service to independent agents across Texas and Oklahoma. As an A.M. Best Rated "A+ XV" carrier, your rural customer's insurance needs can be fully serviced by one of the leading financially secure companies in America.

By now offering the ISO form in Texas, you have the flexibility of covering "Gentlemen Farms" to the most complicated of Agri-business exposures. Typical coverages for the family farm or ranch have been packaged for your convenience under a "715" policy prefix. For more complicated risks, the "700" policy prefix is used so your customer's unique exposures can be addressed "cafeteria" style, providing you the flexibility required to tailor the coverage to properly protect your customers. Contact your South & Western underwriter for a personalized consultation on addressing any of your Agri-business and Farm & Ranch exposures.

South & Western is pleased to continue offering the Texas FRO form to your Farm & Ranch customers. Underwritten by American Reliable Insurance Group (A.M. Best Rated "A- VIII") a member of the Assurant Group of companies, this is the same form you have known for years here in Texas. Ideally suited for small family owned operators or "Gentlemen" Farms, the FRO policy provides "personal lines" coverage with additional coverage for Farming and Ranching exposures. Do not sell your customer short by thinking a simple Homeowners will do.

South & Western offers General Liability for Vacant Farm & Ranch Land. The coverage is offered through several of our A.M. Best Rated "A" surplus lines companies and is ideal when your customer does not have a home on site and a monoline liability policy is needed. Coverage is written on a commercial general liability policy on an agency bill basis. An installment plan is available through S&W Premium Finance Company, Inc.