Whether yours is a large commercial farm or a small, one-acre hobby farm we have the farm insurance you need. Specialty livestock – ostriches or emus? We’ve got you covered!
As any farmer will tell you, farming is just simply not like any other business. That’s why it’s important that commercial insurance is specifically designed to meet farmers’ needs.
Your farm is your life’s work and leaving yourself inadequately protected could be the difference between flourishing or floundering.
Basic farm commercial insurance policies offer coverage for:
- Personal Property
- Farm Structures
- Farmers General Liability
- Pollution liability protection
What are the individual needs of your farm? Your Insurance Agent can help create an insurance plan that’s customized just for you.
Every farm operation is different and it’s essential to your unique farming enterprise that there are options. We can help you build a plan specific to your situation without adding any coverage you don’t need. We offer the following and more, depending on your needs:
- Comprehensive Water coverage
- Replacement cost coverage
- Sewer backup coverage
- Loss of use of farm machinery
- Power interruption
- Loss of income protection (business interruption)
- Increased fire department charges
- Employer’s liability and voluntary compensation for farm employees (not available in all provinces)
- Farm accident insurance
We believe in taking the time to get to know you and your farm operation to explore exactly what coverage you need.
Your Insurance Advisor will visit your farm to review your operation as well as your existing insurance coverage to ensure you get a policy that meets all your specific needs. We know that the needs of a large commercial farming operation are far different than those of a hobby farm and that poultry or dairy farmers need different coverage than produce or hog farmers.
Our insurance experts know exactly what to look for, and will conduct a thorough review of your property to ensure that you are getting the quote for the insurance you need. They’ll also give you safety tips and suggestions to help keep you and your farm operation safe.
Protect your hobby farm
Different than a large commercial farming operation, a hobby farm is a smaller farm operated mainly for pleasure. We can provide an insurance package for hobby farmers to be potentially sold as an addition to your regular home insurance.
What qualifies as a hobby farm?
A hobby farm is operated on a significantly smaller scale than a commercial farm. If you’re maintaining a large and lovely vegetable garden, this is not considered a hobby farm. However, if the land is being rented for farm use or livestock are being kept, it would fall under the category of a hobby farm. Understand exactly what qualifies – CONTACT your local agent to determine your eligibility.
Hobby farm insurance package
While your farm may seem small, it still requires a significant investment of time and energy to keep it at its best. Your investment needs to be protected. We can make sure it’s covered with the following:
- Dwelling and contents
- Replacement cost guarantee on your home
- Extended Water coverage for farm dwellings
- Dwelling limit for detached structures
- For produce sellers, coverage loss due to robbery
- Farm livestock
- Farm produce
- Farm poultry and eggs
- $1 million liability
You can also choose to add increased coverage limits, farm outbuildings and farm machinery can be covered through additional insurance. CONTACT your agent to talk about hobby farm insurance options.
Do you want know if your farming operation – big or small – is adequately covered? Are you looking for a comprehensive farm insurance plan? Talk to us today!