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 unlike 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:
- Farm Structures
- Personal Property
- 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.
Coverage that’s uniquely customized
Every farm operation is unique and it’s important that you have options when it comes to protecting your farming enterprise. We can help you build a plan that is the exact fit for your agricultural situation without adding coverage that you don’t need. Depending on your needs, we can offer the following, and more:
- Comprehensive Water coverage
- Farm accident insurance
- Replacement cost coverage
- Loss of use of farm machinery
- Sewer backup coverage
- 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)
Assessing your farm
To give you the appropriate coverage, we need to take the time to get to know you and your farm operation.
Your Insurance Advisor will examine your existing insurance coverage to ensure you get a policy that meets all of the specific needs of your farm. What a large commercial farming operation needs are significantly different than that of a hobby farm; and the insurance needs of poultry or dairy farmers are different than the coverage needs of a hog or produce farmer.
Our insurance experts know what to look for, and will review your property thoroughly to make sure you receive a quote for the insurance you need. They’ll also give you suggestions for keeping you and your operation safe – mitigating any potential risk.
Hobby farm coverage
Hobby farms are small, intimate farms operated primarily for pleasure. We can provide an insurance package for hobby farmers that might, depending on your circumstances, be sold simply as an addition to your regular home insurance.
What defines a hobby farm?
A hobby farm is a very small operation. A large produce garden might not be considered a hobby farm, but if the land is rented for farm use or livestock are being kept, it could very well be. Find out exactly what kinds of farms qualify as hobby farms – CONTACT your local insurance agent to determine your eligibility.
Hobby farm insurance
Small though it may be, your hobby farm still represents a significant investment of time and energy. It’s an investment worth protecting – we can ensure it’s properly covered with the following:
- Dwelling and contents
- Replacement cost guarantee on your home
- For produce producers and sellers – coverage due to robbery
- Extended Water coverage for farm dwellings
- Dwelling limit for detached structures
- 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 to know if your farming operation – big or small – is adequately covered? Are you looking for a comprehensive farm insurance plan? Talk to us today!