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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 farm insurance tailored to your specific business and risks, you can rest easy knowing you’re protected for the long term with Duliban Insurance Brokers‘ team of experts by your side.
Farmer insurance is a specialized type of coverage designed to protect farmers and their agricultural operations from a variety of risks. This type of insurance is essential for ensuring the financial stability and sustainability of farming enterprises.
Here are some key reasons why farm insurance is necessary:
- Protection against natural disasters. Farms are highly vulnerable to natural disasters such as floods, droughts, storms, and fires. Farm insurance in Ontario provides financial coverage to help recover from these events, protecting crops, livestock, equipment, and buildings.
- Liability coverage. Farming involves many activities that could lead to accidents or injuries. Farm insurance includes liability coverage to protect farmers from legal claims and financial losses if someone is injured on their property or if their farming operations cause damage to someone else’s property.
- Safeguarding livestock. Livestock can be affected by diseases, theft, and accidents. Farm insurance in Ontario helps cover the costs associated with these losses, ensuring that farmers can maintain their herds and continue their operations.
- Equipment and machinery protection. Modern farming relies on expensive equipment and machinery. Farm insurance covers the damage or loss of these essential tools, enabling farmers to repair or replace them quickly and avoid significant operational downtime.
- Income stability. Farming income can be unpredictable due to factors like poor harvests or market fluctuations. Farm insurance in Ontario provides income protection, ensuring that farmers have a steady income even during difficult times.
- Crop insurance. Crops are susceptible to a range of risks, including pests, diseases, and adverse weather conditions. Crop insurance helps protect the financial investment in planting and growing crops, ensuring that farmers are compensated for their losses.
- Peace of mind. Having comprehensive farm insurance provides peace of mind to farmers, allowing them to focus on their work without constantly worrying about potential financial losses from unforeseen events.
- Support for recovery. In the event of significant damage or loss, farm insurance provides the financial support necessary for recovery and rebuilding. This ensures that farming operations can resume quickly and with minimal disruption.
- Business continuity. For many farmers, their farm is not just a source of income but also a legacy and way of life. Farm insurance in Ontario helps ensure the continuity of the farming business across generations by protecting it from financial hardships that could otherwise lead to closure.
- Compliance and loans. Some forms of farm insurance are required by law or by lenders. Having the right insurance coverage can be necessary for complying with regulations and securing loans or grants needed for expanding or maintaining the farm.
Farmer insurance is a critical component of a successful farming operation. It provides essential financial protection, helps manage risks, and ensures the sustainability and resilience of farms against a wide array of potential threats.
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.
Looking for a farm insurance company? Duliban Insurance is proud to offer insurance solutions that have been trusted throughout 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, your produce, and your livelihood with a comprehensive insurance policy from a farm insurance broker who 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 our farm insurance company can help you protect your animals, crops, property, and other assets from unforeseen mishaps.
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
Farmer insurance guarantees that damaged or destroyed property will be replaced with new property of similar quality and functionality, without regard to 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. Ontario farm insurance helps cover additional expenses or lost income incurred during these 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 farm insurance 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.
Yes, farm insurance can be customized to fit the specific needs of a farming operation. Farmers can choose from various coverage options and limits, ensuring that their insurance policy addresses the unique risks and requirements of their farm. This tailored approach ensures comprehensive protection and optimal financial security.
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