Agribusiness and Farm Insurance in Ontario
Coverages designed to suit your company’s needs.
From family farms to commercial operations, agriculture faces weather, equipment, livestock, and market risks. Our Agribusiness & Farm Insurance packages combine Farm Property, Farm Liability, Equipment, Livestock, Pollution, and Business Interruption — with options for Produce Contamination and Milk/Stock Spoilage.
Key Coverages
Farm Property — Dwellings (if scheduled), barns, outbuildings, greenhouses, fencing, bins/silos.
Contents and Produce — Seed, feed, chemicals, harvested crops, refrigerated/frozen stock.
Farm Liability — On-premises and operations liability, personal liability (if applicable).
Equipment & Mobile Machinery — Tractors, combines, attachments, tools; rented/borrowed equipment.
Livestock Coverage — Mortality for cattle, swine, poultry; limited disease/perils where available.
Pollution Liability (Farm) — Fuel/chemical spills, manure management (where eligible).
Business Interruption / Loss of Income — After covered property losses.
Equipment Breakdown — Motors, pumps, milking systems, refrigeration units.
Umbrella / Excess Liability — Additional limits for higher-risk operations.
Commercial Auto & Umbrella — Vehicles and higher liability limits.
Who It’s For
Crop FarmsDairy FarmsHobby FarmsPoultry, Beef, Swine FarmsGreenhousesOrchards, VineyardsCash CropCustom OperatorsAgri Service Providers
Common Claims Scenarios
- Windstorm damages barn roof (Property)
- Milk tank failure causes spoilage (Equipment Breakdown & Spoilage)
- Visitor injury during farm tour (Liability)
- Diesel spill requiring cleanup (Pollution)
Risk Management Tips
- Electrical inspections and surge protection for milking/cooling systems
- Fuel storage safeguards and spill response kits
- Biosecurity protocols for livestock and visitor controls
- Maintenance logs for machinery and refrigeration temperature monitoring
What We’ll Need for a Quote
- Farm type and acreage, annual revenue/production
- Building schedule (construction, age, values), contents and produce values
- Equipment list and values, livestock counts/values
- Claims history (5 years), seasonal workers/visitors, and any agritourism activities
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