Commercial Farming Insurance

Commercial farming operations need specialized coverage that understands agricultural risks. We build farm programs around your buildings, equipment, livestock, and liability, working with insurers who know farming and can respond when things go wrong.

What Farms Need

Buildings and structures

Buildings and structures

Coverage for barns, silos, equipment sheds, grain storage, and other farm structures at replacement cost. We understand how farm buildings are used and valued.

Equipment and machinery

Equipment and machinery

Tractors, combines, implements, and specialty equipment are often the largest asset class on a farm. We schedule equipment properly so nothing falls through the gaps.

Farm liability

Farm liability

Comprehensive liability protection for farm operations, including livestock, equipment operation, product sales, and visitor exposure.

Farm Operations We Insure

01
Cash crop operations

Cash crop operations

Grain, corn, soybeans, and other field crop operations with equipment, storage, and seasonal exposure.

02
Livestock operations

Livestock operations

Cattle, dairy, hog, poultry, and other livestock operations with building, equipment, and animal coverage needs.

03
Mixed farming operations

Mixed farming operations

Farms combining crop production and livestock with multiple coverage needs.

04
Specialty and organic farms

Specialty and organic farms

Vineyards, orchards, greenhouses, organic operations, and specialty crop producers.

Farming is one of our specialties.

Getting it right the first time.

We often see uninsured or under-insured buildings with missing coverages that make the difference when a claim occurs.

Key Things to Know

01
Farm insurance is specialized

Farm insurance is specialized

Farm operations have unique exposures that standard commercial policies do not address well. We work with farm-focused insurers who understand agricultural risks.

02
Equipment values are often understated

Equipment values are often understated

Farm equipment values can increase significantly. We review equipment schedules regularly to make sure coverage keeps pace with replacement costs.

03
Seasonal and weather exposures

Seasonal and weather exposures

Farms face weather-related risks that other businesses do not. We structure coverage around the realities of agricultural production.

Farm Insurance in Ontario

01

What farm insurance covers

Farm insurance in Ontario is a package policy built for agricultural operations. It covers your farm buildings and structures, machinery and equipment, livestock and farm liability in one program, along with the farm dwelling. A home policy or a standard commercial policy is not designed for these exposures, which is why we place farms with farm-focused insurers.

02

Who needs a full farm policy

Cash crop, livestock, dairy, poultry, mixed and specialty operations across Ontario. If farming is a primary business, a full farm policy is the right structure, and we review equipment schedules and building values with you every year.

03

Smaller operations and acreage

If you keep a few horses, raise a small flock or sell produce at the market, but farming is not your main income, hobby farm insurance in Ontario is usually the better fit. It covers the home, outbuildings and farm liability, scaled to the size of the operation.

Common Farm Add-Ons

These are the coverages farm operations often add based on their specific needs.

Crop insurance and revenue protection

Crop insurance and revenue protection

Hover to flip

Crop insurance and revenue protection

Production insurance and revenue protection products work alongside property coverage to protect farm income.

Hover away to flip back
Livestock mortality

Livestock mortality

Hover to flip

Livestock mortality

Coverage for death of animals from covered perils, important for high-value herds or breeding stock.

Hover away to flip back
Equipment breakdown

Equipment breakdown

Hover to flip

Equipment breakdown

Coverage for mechanical breakdown of critical equipment, especially refrigeration, grain drying, and processing equipment.

Hover away to flip back
Umbrella liability

Umbrella liability

Hover to flip

Umbrella liability

Higher liability limits for larger operations or farms with significant visitor exposure or product sales.

Hover away to flip back
FAQ

Frequently Asked Questions

Ready to Work with an Expert?

Talk to a Product Expert Today!

Get personalized advice and a quote tailored to your specific needs.