Oakview Insurance Services is an independent agency in Yuba City that insures farms and agribusinesses across Yuba and Sutter Counties, from rice growers, almond and walnut orchards, prune and kiwi operations, and cattle ranches to the dryers, hullers, and dehydrators that process the valley’s crops. We serve Yuba City (95991 and 95993), Marysville, Live Oak, and the farm ground around them. Mariah Davis founded Oakview in her hometown of Yuba City in 2010. Today our 20 dedicated insurance professionals have access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. We have AFIS-certified and Nationwide Farm Certified agents on staff, we are an authorized State Compensation Insurance Fund agent for agricultural workers comp, and we are members of the Yuba-Sutter Farm Bureau. Our clients have left us 850+ five-star Google reviews. Request a quote or call us at (530) 674-5054.
Farms in this basin carry risks that generalist agencies tend to miss. Flood exposure on the Feather River plain, leased acreage spread over several parcels, hullers and dryers with processing liability that a standard farm policy does not address, and H-2A crews with workers comp requirements many carriers decline outright. Our advisors have sat across the table from operations like yours and built their coverage from the ground up.
Why Yuba-Sutter Growers Choose Oakview
Here is what growers, ranchers, and processors in Yuba and Sutter Counties tell us matters most.
- AFIS-certified and Nationwide Farm Certified agents who work farm and agribusiness accounts every day
- Coverage for rice dryers, almond shellers and hullers, walnut hullers, and dehydrators, the processing operations many agencies cannot place
- An authorized State Compensation Insurance Fund agent, which opens options for ag workers comp when private carriers decline
- Side-by-side policy reviews and a carefully coordinated switch designed to avoid coverage gaps
- 850+ five-star Google reviews, and voted Best Agent, Best Agency, and Best Customer Service by Appeal-Democrat readers multiple times
- Bilingual service in English and Spanish for owners, managers, and crews. Hablamos español.
- A local advisor who picks up the phone, with no call center in between. Meet our team.
Yuba and Sutter County Agriculture
Yuba and Sutter Counties sit in the middle of California’s Sacramento Valley rice belt, surrounded by some of the state’s most productive almond, walnut, prune, and orchard ground. Operations here range from family farms working a few hundred acres to processors handling the output of an entire region. We insure both ends of that range and most of what falls between.
The 2024 county crop reports show the scale. Sutter County’s agricultural production was valued at $683.5 million, led by rice at $201.3 million, followed by walnuts, processing tomatoes, almonds, and clingstone peaches. Yuba County came in at $262.1 million, with rice, walnuts, kiwifruit, prunes, and livestock leading the list.
The growers we work with in the basin produce rice, almonds, walnuts, prunes, kiwis, peaches, olives, corn, wheat, sunflowers, and row crops. Just as much of our work here involves the facilities that serve them: rice dryers, almond shellers and hullers, walnut hullers, and dehydrators. If your business is tied to what this valley grows, we have the carrier access and the product knowledge to protect it.
Two local conditions shape almost every program we build here. Flood exposure on the Feather River plain affects how we look at structures, equipment, and stored product on low ground. And leased acreage spread over several parcels, sometimes in both counties, calls for a careful look at location schedules, lease obligations, and liability coverage. Whether each parcel has to be listed separately depends on the insurer and the policy.
Crops and Operations We Insure in Yuba-Sutter
We insure operations across the full mix of what Yuba and Sutter Counties grow, including:
- Rice
- Almonds and walnuts
- Prunes, peaches, and kiwifruit
- Olives
- Corn, wheat, sunflowers, and other row crops
- Cattle and livestock
Rice Operations
Rice ranked first by value in both Yuba and Sutter Counties in 2024, and it comes with its own risk profile. Flooded fields, water management liability, harvest equipment, seasonal labor, and property coverage for dryers and storage all call for carriers that know California rice production. We place rice operations with farm-specialized carriers and coordinate property, liability, equipment, and workers comp coverage to find and address gaps between policies.
Almond and Walnut Orchards
Orchard coverage in Yuba and Sutter Counties has to account for irrigation systems, harvest equipment, and the liability that comes with running heavy equipment on rural roads during harvest. We work with carriers that offer orchard-specific programs, and we schedule your equipment and structures at what they are worth today rather than what they were worth when the policy was first written.
For more on these crops, see our rice farm insurance, almond farm insurance, and walnut farm insurance pages, or the full overview on our farm and agribusiness insurance page.
Farm Coverage for Yuba-Sutter Operations
A farm program here is built from several coverages that have to work together. We review the whole operation before recommending anything, because the right mix depends on what you grow, how your land is held, who works for you, and what facilities you run. Oakview does not currently write multi-peril crop insurance (MPCI). The coverages below protect the operation itself.
Farm Property and Structures
Barns, shops, equipment sheds, cold storage, irrigation infrastructure, and processing buildings. We check insured values against current replacement costs, which have climbed for farm structures and equipment in recent years. Plenty of operations still carry limits that made sense five years ago and would leave a serious gap after a loss today. Flood is generally excluded from standard farm property policies. Separate flood coverage for eligible farm buildings and contents may be available through the National Flood Insurance Program or private flood insurers, depending on the property and policy terms.
Farm Equipment and Machinery
Tractors, harvesters, combines, irrigation equipment, and specialty machinery can be scheduled one by one or covered on a blanket basis, depending on the size of the operation. We also look at how equipment is covered while it moves between parcels or travels public roads during harvest, where gaps can open between farm machinery, inland marine, and auto policies.
Farm Liability
Premises liability, products and completed operations, landowner and leased land liability, mobile equipment, and roadway exposure. Farms that host agritourism, sell direct to the public, or do custom farming for others carry added liability that needs specific policy language.
Farm Auto
Farm auto policies treat vehicles used in the operation differently than personal or commercial auto. How your pickups, farm vehicles, and equipment trailers are classified affects both coverage and premium, so we make sure each one is classified correctly and covered for how you actually use it.
Agricultural Workers Compensation
California ag workers comp is one of the harder placements in the state. Private carriers have pulled back on farm labor accounts, especially operations with seasonal field labor, hand-harvest crews, or H-2A workers. As an authorized State Compensation Insurance Fund agent, Oakview helps Yuba-Sutter ag employers work through their options, including operations that private carriers have declined or that are paying rates out of line with their loss history. Eligibility, classification, and premium are set through the insurer’s underwriting.
Livestock and Specialty Coverages
Cattle and livestock mortality, agricultural pollution liability, seed endorsements, and coverage for leased acreage and custom farming arrangements. These are the pieces that slip through a quick renewal, and they are where we find gaps when an operation comes to us after a loss.
Rice Dryers, Hullers, Shellers, and Dehydrators
Processing operations are their own coverage category, and many independent agencies cannot place them. Oakview has direct experience insuring rice dryers, almond shelling operations, walnut huller facilities, and dehydrators throughout the North State.
Most programs for these facilities combine commercial property, equipment breakdown, general liability, products and completed operations, and workers comp. We write them through farm-specialized carriers that evaluate dryers and hullers as ag processing risks instead of standard commercial accounts. Available coverage, pricing, deductibles, and exclusions depend on each facility’s operations and underwriting.
Why an Independent Farm Agent Matters in Yuba-Sutter
A captive agent can only offer one company’s products. As an independent agency, Oakview has access to more than 100 A-rated carriers. Our farm and agribusiness markets include Nationwide Agribusiness, Travelers Agribusiness, Liberty Mutual, Zenith Agribusiness, Chubb Agribusiness, Granwest, Philadelphia Insurance, and Capital Insurance Group (CIG), plus high-fire options and surplus lines markets for risks the standard carriers pass on. Farm risk in this basin changes a lot with crop type, acreage, and how much processing an operation does, so being able to compare several markets makes a direct difference in both coverage and price.
Most growers who call us about switching want better advocacy, a more thorough review, and an advisor who will still be around in five years. A few questions come up almost every time.
How a Switch Works
We start with a side-by-side review of your current program. Depending on carrier requirements and our appointments, we can often keep your existing policies in place and become your servicing agency. We check coverage terms, effective dates, and each carrier’s procedures before anything changes, with the goal of keeping your protection continuous. If we find gaps or improvements, we lay them out clearly first.
Leaving a Long-Time Agent
Long relationships matter, and we respect them. So does having a plan for what happens when an agent retires or moves on. Oakview has 20 dedicated insurance professionals and documents every account, so your coverage does not depend on any one person.
Is a Review Worth the Time?
Programs renewed year after year without a full review drift out of date. Equipment values change, operations grow, new parcels get added, and liability shifts. The gaps we find when operations come to us are rarely small. The review costs nothing and carries no obligation, and if your current program is solid, we will tell you so.
What Our Farm Clients Are Saying
Oakview has earned 850+ five-star Google reviews from clients across Yuba City, Marysville, and the Yuba-Sutter region, including growers, ranchers, and processors along with the families and businesses we insure. Appeal-Democrat readers have voted us Best Agent, Best Agency, and Best Customer Service multiple times.
Read what our clients say on Google.
Frequently Asked Questions: Yuba City and Yuba-Sutter Farm Insurance
Do you specialize in farm insurance for Yuba City and the Yuba-Sutter region?
Yes. Farm and agribusiness insurance is one of our core practice areas. We have AFIS-certified and Nationwide Farm Certified agents on staff, Farm Bureau memberships in Yuba-Sutter, Colusa, and Butte Counties, and access to farm markets including Nationwide Agribusiness, Travelers Agribusiness, Liberty Mutual, Zenith Agribusiness, Chubb Agribusiness, Granwest, Philadelphia Insurance, and Capital Insurance Group. We insure rice, almond, walnut, prune, orchard, cattle, and agribusiness processing operations throughout the region.
Can you insure rice dryers and almond hulling operations in Yuba-Sutter?
Yes. We insure agribusiness processing facilities including rice dryers, almond shellers, walnut hullers, and dehydrators. These are specialty placements that require farm-specific carriers and underwriting experience, and we have placed coverage for processing operations throughout the North State.
Can you help with agricultural workers compensation for seasonal farm labor?
Yes. We are an authorized State Compensation Insurance Fund agent with direct experience placing agricultural workers comp for Yuba-Sutter operations, including those with seasonal field labor, hand-harvest crews, and H-2A workers. Private carrier options for farm labor workers comp in California are limited, and we can help review options for operations that have been declined elsewhere, subject to carrier underwriting and eligibility.
What is the difference between an independent farm insurance broker and a captive agent?
A captive agent can only offer products from one company. As an independent broker, Oakview has access to more than 100 A-rated carriers, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets, and recommends coverage based on what fits your operation. In Yuba-Sutter, where farm risk varies by crop, acreage, and processing involvement, access to multiple carriers makes a direct difference in coverage and price.
What happens to my coverage if I switch agents to Oakview?
We start with a full side-by-side review of your current program. Depending on carrier requirements and our appointments, we can often keep your existing policies and take over service as your agency. We check coverage terms, effective dates, and carrier procedures before making any changes, with the goal of keeping coverage continuous. If we find gaps or improvements, we present them clearly before acting.
Do you write crop insurance for Yuba-Sutter growers?
No. Oakview does not currently write multi-peril crop insurance (MPCI). We insure the rest of the operation: farm property and structures, equipment, farm liability, farm auto, workers comp, and processing facilities like dryers and hullers.
How do I get a farm insurance quote in Yuba City or Yuba-Sutter?
Call our office at (530) 674-5054 or request a quote online. We will learn about your operation and put together recommendations built around what you actually grow and run, with no pressure and no generic quotes.
Serving Yuba City, Yuba-Sutter, and Surrounding Farm Communities
Oakview serves farm and agribusiness operations throughout Yuba and Sutter Counties. In Yuba County that includes Marysville, Linda, Olivehurst, Plumas Lake, Arboga, Wheatland, Dobbins, Oregon House, and the unincorporated farmland around them. In Sutter County it includes Yuba City, Live Oak, Sutter, Meridian, Robbins, Rio Oso, and East Nicolaus. We also serve operations in neighboring Colusa and Butte Counties.
Zip codes we serve in the basin include Yuba City 95991 and 95993, Marysville and Linda 95901, Olivehurst and Plumas Lake 95961, Wheatland 95692, Dobbins 95935, Oregon House 95962, Live Oak 95953, Sutter 95982, Meridian 95957, Robbins 95676, Rio Oso 95674, and East Nicolaus 95659.
Oakview is a member of the Yuba-Sutter Farm Bureau, and because our farm clients reach into neighboring counties, we are also members of the Colusa County Farm Bureau and the Butte County Farm Bureau. We support the Yuba Sutter Fair Livestock Auction and stay connected to the ag organizations that have shaped this region for generations. For local ag news and resources, visit the Yuba-Sutter Farm Bureau.
Nearby Oakview farm pages: Live Oak, Marysville and District 10, Wheatland
For home, auto, and business coverage in Yuba City, visit our homepage.
Running a rice dryer or huller your current agent has trouble placing? Hiring seasonal or H-2A crews and getting turned down for workers comp? Picking up leased parcels on both sides of the Feather River, or still carrying equipment limits set years ago? These are the situations we work on every day across Yuba and Sutter Counties. Call us at (530) 674-5054 or use the button below to start your quote.