Where do you live?
The farm is a business itself so I guess milk would be included in that. I have no idea about insurance. I would prefer something more coop type with limited liability. You would be able to look at our operation and storage to see if there was something that might concerned you. I would hate for anyone to get sick but it would be worse if I got sued if they took it home and didn't store it properly or something. I have looked into pasturizing but it cooks out all the nutrients. Big operations don't have to be as careful because its pasteurized, homogenized, and all that jazz. They can get some feces, blood, urine, and whatever else in there and come out okay. Kinda gross when you think about it.
Holstein's produce massive quantities of milk, if I didn't have the market for the milk, I would go with a Jersey or some other breed that produced a more moderate amount of milk. As others have pointed out dairy cows are a lifetime commitment.
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