Growing and selling fruits, vegetables, grains or other crops will require you to have a commercial farm policy in place. However, even if you sell your products at local farmers markets or roadside stands, it is very important to have coverage in place just in case someone becomes ill from a crop that you produced.A commercial farm policy would also cover the cost of repairs to damage that results while farming equipment is in operation. If you ever drive your tractor out on a main road or side road, for example, a farm policy would cover you in the event of an accident.