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Your Solution to Cotton Gin Insurance


When people think of cotton gins a particular name comes to mind: Eli Whitney. The inventor of the cotton gin is taught in all middle school social studies classes as a leader in farming advancement. Whitney brought the US into the age of modern cotton farming with his 1793 invention. From hand-picked cotton to contemporary machinery equipped to do the work for farmers, his invention revolutionized and propelled the industry.


According to the National Agricultural Statistics Service, there are over 500 cotton gins operating in the United States - a number which has significantly decreased in the past two decades. This decline is partly due to rising cotton importation, increased production in operating cotton gins, and the difficulty in maintaining and insuring cotton gins.


Cotton gins are a historically challenging class of business in the insurance sphere. With (often) high TIVs and devastating losses (when they occur), cotton gin insurance has proven to be tricky for farmers. In recent years, many insurance companies have completely stricken cotton gins from their books of business, or non-renewed cotton gin accounts with any previous loss history.

Flex is a property-only insurance product created by Agribusiness Risk Underwriters to provide coverage for cotton gins, and other underserved classes of business. ARU’s dedication to advanced loss control technology enables us to thoroughly inspect and underwrite each account. We take an educational approach to covering cotton gins, seed warehouses, and other associated structures, working closely and collaboratively with policyholders and brokers.


Flex is not limited to low TIV ceilings like the majority of our competitors. Offering $15M limits, Flex also has the ability to provide coverage for the much needed and often overlooked business income and extra expense.


When you think of cotton gins, we ask you to remember one name alongside Eli Whitney’s - Flex. Flex is your solution for “hard-to-place” farm / ag property risks.



Learn more about what Flex can do for cotton gin accounts by scheduling a call using the button below.


**PLEASE NOTE THAT ARU MARKETS OUR PRODUCTS ONLY THROUGH LICENSED INSURANCE BROKERS. WE ARE NOT ABLE TO PROVIDE QUOTES OR INSURANCE GUIDANCE FOR FARM OWNERS**



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