Introducing Parlor: A Dairy Program, Done Right
Dairy producers are the backbone of our food system. They work 24/7, 365 days a year, often across generations, to keep America fed. Yet for too long, their insurance options have been limited to policies that weren’t built with their unique risks in mind.
That changes with Parlor, a new insurance solution from Lucid Insurance Group in partnership with Fortegra Specialty Insurance Company.
Built for dairy, by People Who Know Dairy
Parlor isn’t another generic farm policy. It’s a program created by farmland natives who understand what it takes to run a modern dairy operation. From multigenerational family farms in the Great Lakes to large-scale western dairies with thousands of cows, Parlor addresses the realities of dairy work: specialized barns and parlors, critical machinery, livestock health, and continuous operations that leave no room for uncertainty.
At Lucid, our mission is simple: insurance should be transparent, accessible, and built around real-world risks. Parlor reflects that philosophy, offering producers and their brokers straightforward coverage that can be trusted when it matters most.
What Parlor Covers
Core Protections
• Farm structures and dwellings
• Milking parlors, barns, and equipment
• Farm personal property
• Farm and personal liability
• Business income and disruption of operations
Companion Products
Because dairy operations face more than property and liability risk, Parlor offers complementary solutions through Lucid’s Enterprise unit, including:
• Equipment breakdown
• Irrigation pivots
• Animal mortality/stock coverage
• Cyber liability
• Commercial auto
• Umbrella dna excess coverage
Together, these coverages ensure producers can protect their most important assets under one comprehensive program.
Why Parlor?
The U.S. dairy industry is both historic and rapidly evolving. Over 97% of farms remain family-owned, yet consolidation and technology have reshaped how production happens. From robotic milking systems to sophisticated feed operations, today’s dairies balance tradition with innovation, making insurance more complex than ever.
Parlor was designed with these realities in mind. We prioritize:
• Operational integrity: rewarding farms with strong safety practices, infrastructure upkeep, and employee training.
• Transparency in underwriting: with our Risk 20/20 platform, agents know upfront what’s required, reducing delays and back-and-forth.
• Risk control partnership: offering in-person and virtual inspections, safety programs, fire prevention assessments, and more.
• Agent-first approach: straightforward appetite guidelines and responsive underwriters who know dairy.
A Dairy Program, Done Right
Parlor is more than an insurance program. It’s a commitment to the producers who keep our food chain strong. By pairing Lucid’s underwriting expertise with Fortegra’s strength and stability, Parlor delivers clarity, fairness, and protection where it’s needed most.
Now available in California, Arizona, Idaho, and Minnesota, with seven more states coming soon.
Ready to Get Started?
Agents can submit directly to submissions@lucidins.
For more details, visit lucidins.com (http://lucidins.com/) or download our Dairy Questionnaire to prepare your client’s submission.