Your guide to personalized farm insurance in Ontario
Protection for your lifestyle should be simple. Our comprehensive coverage not only protects a variety of land and operations from unexpected challenges, but also offers tailored solutions to ensure you reap the rewards of your investment, year after year.
Not all farms are made equal.
With coverage designed around your specific operations and risks, you’ll have peace of mind knowing you’re protected for the long-term, with a dedicated team of specialists on your side. With us, your rate is shopped across the top markets in Ontario and developed into a custom-built policy that’s thought of everything – so you don’t have to.
We are proud to offer several coverage solutions that have been trusted across the province since 1976.
explore farm insurance products
Types of farm insurance
Tractor Protect Insurance
Canada’s first stand-alone coverage solution designed for personal tractors valued at under $80,000 and used on and around rural properties. A fully digital product, quote and bind coverage online in less than 15 minutes.
Dairy Farm Insurance
Protect your cows, products and livelihood with a comprehensive insurance policy that works as hard as you do.
Livestock Insurance
Secure the future of your livestock farm with tailored coverage that’s designed to protect your animals and your investments from unforeseen risks.
Tractor Protect Insurance
Canada’s first stand-alone coverage solution designed for personal tractors valued at under $80,000 and used on and around rural properties. A fully digital product, quote and bind coverage online in less than 15 minutes.
Dairy Farm Insurance
Protect your cows, products and livelihood with a comprehensive insurance policy that works as hard as you do.
Livestock Insurance
Secure the future of your livestock farm with tailored coverage that’s designed to protect your animals and your investments from unforeseen risks.
Greenhouse Insurance
Protect your greenhouse operations with specialized insurance coverage, ensuring your crops and investments are shielded from the challenges of unpredictable weather and other potential risks.
Greenhouse Insurance
Protect your greenhouse operations with specialized insurance coverage, ensuring your crops and investments are shielded from the challenges of unpredictable weather and other potential risks.
Hobby Farm Insurance
Your passion for rural living doesn’t go unnoticed. That’s why we want to help you protect your animals, crops, property and other assets against unexpected setbacks.
Cash Crop Insurance
Don’t let poor weather, pests and market fluctuation pose a risk to your farming operations. Secure comprehensive coverage that’s guaranteed to have your back.
Hobby Farm Insurance
Your passion for rural living doesn’t go unnoticed. That’s why we want to help you protect your animals, crops, property and other assets against unexpected setbacks.
Cash Crop Insurance
Don’t let poor weather, pests and market fluctuation pose a risk to your farming operations. Secure comprehensive coverage that’s guaranteed to have your back.
What's covered with your farm insurance in Ontario?
From product to pollution and livestock to crops, we know there’s a lot to consider. Browse our list of common coverages for an inside look at what your policy will include.
Barn & Buildings
This provides protection for the physical structures on your farm. It covers repair or replacement costs if these structures, such as barns, silos, or equipment sheds, are damaged or destroyed due to covered perils like fire, storms, or vandalism.
Pollution
This helps cover the costs associated with cleaning up environmental pollution or contamination caused by your farm operations. It can also provide liability protection if your farm is found responsible for environmental damage.
Livestock & Products
This coverage includes protection for your livestock, such as cattle, poultry, or swine, and any farm products, such as eggs, milk, or wool. It may cover the loss of these assets due to events like disease outbreaks, accidents, or theft.
Barn & Buildings
This provides protection for the physical structures on your farm. It covers repair or replacement costs if these structures, such as barns, silos, or equipment sheds, are damaged or destroyed due to covered perils like fire, storms, or vandalism.
Pollution
This helps cover the costs associated with cleaning up environmental pollution or contamination caused by your farm operations. It can also provide liability protection if your farm is found responsible for environmental damage.
Livestock & Products
This coverage includes protection for your livestock, such as cattle, poultry, or swine, and any farm products, such as eggs, milk, or wool. It may cover the loss of these assets due to events like disease outbreaks, accidents, or theft.
Replacement Cost
Having this coverage ensures that damaged or destroyed property is replaced with new items of similar quality and functionality, without factoring in depreciation. It helps ensure that you can rebuild or replace assets at today's market prices, rather than their depreciated value.
Replacement Cost
Having this coverage ensures that damaged or destroyed property is replaced with new items of similar quality and functionality, without factoring in depreciation. It helps ensure that you can rebuild or replace assets at today's market prices, rather than their depreciated value.
Sewer Backup
This will cover damage to your property caused by the backup of sewage or water from sewers, drains, or sump pumps. This can include the cost of cleanup and repairs.
Utility Interruptions
Protects your farm against income losses resulting from disruptions in essential utilities like water, electricity, or gas due to events like storms or accidents. It helps cover the extra expenses or lost income incurred during such interruptions.
Sewer Backup
This will cover damage to your property caused by the backup of sewage or water from sewers, drains, or sump pumps. This can include the cost of cleanup and repairs.
Utility Interruptions
Protects your farm against income losses resulting from disruptions in essential utilities like water, electricity, or gas due to events like storms or accidents. It helps cover the extra expenses or lost income incurred during such interruptions.
Fire Department Charges
Reimburses you for fees incurred when the fire department responds to a fire or other emergency on your farm. This may include charges for equipment usage, personnel, and other related costs.
Speciality Coverages
Depending on your farm's unique needs, you may require additional coverage for specific risks like contamination, agri corp, farm product liability, or coverage for special events hosted on the farm. We recommend speaking directly with a broker to solidify the enhancements that might be needed for your policy.
Fire Department Charges
Reimburses you for fees incurred when the fire department responds to a fire or other emergency on your farm. This may include charges for equipment usage, personnel, and other related costs.
Speciality Coverages
Depending on your farm's unique needs, you may require additional coverage for specific risks like contamination, agri corp, farm product liability, or coverage for special events hosted on the farm. We recommend speaking directly with a broker to solidify the enhancements that might be needed for your policy.
Frequently asked questions
Even your most uncommonly-asked questions are no match for our team of farm and commercial insurance pros. See what others like you want to know.
Farm insurance covers not only your home and personal property but also the unique risks associated with farming operations, such as livestock, crops, farm equipment, and liability for farm-related accidents.
The cost depends on factors like the size of your farm, the types of crops and livestock you have, the value of your equipment, your location, and the specific coverages you choose. Your insurance agent can help you assess your needs.
Yes, farm insurance policies can often be adjusted to accommodate seasonal variations or changes in your farming activities, ensuring that your coverage remains relevant.
Some companies will offer specialized coverage for organic farming, considering factors like organic certification and the potential higher value of organic crops. It’s essential to discuss these specific needs with a broker when setting up your policy.
Yes, some farm insurance policies can include coverage for valuable antique farm equipment and tools. You may need to provide documentation of their value.
Yes, many farm insurance policies include crop insurance that can cover losses due to weather events, pests, or disease outbreaks, helping farmers recover their investment.
It depends on your policy, but some farm insurance policies can offer coverage for specialty crops like rare or antique grapevines, especially if their value is established and documented.
Yes, many farm insurance policies can include coverage for agritourism and educational activities conducted on your farm, protecting you from liability issues related to these events.
We work with 20+ top insurance companies
Our Reviews
What you say matters to us
Get a quote today
Working with a broker guarantees your access to the best available insurance with the added benefit of personalized support. See for yourself and get a quote now.
Read our blogs
Hear what’s trending in insurance
Our blog is packed with the tips and tricks you want to read, and deserve to know.
As you embark on this exciting journey of buying your first home, there’s a lot to consider—from crunching the numbers
Welcome to the Smart Home Era With the rapid adoption of Internet of Things (IoT) devices, our homes are smarter
Calling all pet parents! Are you planning your next adventure with your furry friend by your side? As much as
As more and more people seek authentic connections to their food and the land, sustainable agri-tourism is emerging as a
Are you ready to share the joy of Airstream living with travelers from around the world? Whether you’re looking to
In an era where small businesses are the backbone of the Canadian economy, representing 97.9% of all companies in the