Is your farm fully protected from unforeseen damage and mishaps?
You can’t stop weather, disease, pest pressures or accidents from happening, but our team can make sure these misfortunes don’t put you out of business. We partner with the top providers to find you the best farm coverage options for your specific type of operation. We can put a value package together for:
- Cattle farm insurance
- Dairy farm insurance
- Cash crop insurance
- Grain farm insurance
- Horse farm insurance
- Poultry farm insurance
- Vegetable farm insurance
- And more
Don’t see a description that fits your operation? Find out how we can get you covered by contacting our team today.
What’s the difference between homeowner’s insurance and farm insurance?
While a homeowner’s policy protects your home and surrounding property, farm insurance offers additional coverage and an extra level of protection for your business. Think of it as a combined protection for your home, personal possessions, and surrounding residential property, along with the coverage of commercial liability insurance much like any other business.
As the owner of a farm operation, you need to be protected against liability for injuries and accidents to anyone on your property, and you can also add protection for theft, structure damage/loss, livestock disease/loss, and several other types of events that threaten your financial stability.
Farm Insurance Coverage Options
At Dawson & Keenan, we can add a variety of different coverage options to your farm insurance package, including:
- Farm structures on your property (primary residence and outbuildings)
- Livestock (costs associated with illness, injury, loss)
- Farming equipment & vehicles (tractors, trucks, balers, etc.)
- Any crops grown on acreage you own or lease
- Liability for accidents on your property that cause damage or bodily injury
If there’s something specific to your operation not listed here, ask us about it. Chances are that we work with an insurance provider who will offer it.
D&K Top Tip
Farm Insurance
Insure against customer illness or injury
You’re proud of the products you sell, but what if they make a customer ill? It’s important to protect yourself and your operation with product liability insurance. This coverage will pay for medical costs (up to policy limits) for illness or injuries sustained when a customer consumes a farm product. It will also help with legal defense expenses if those types of complaints are involved.
Frequently Asked Questions About Farm Insurance
Q: What does farm insurance cover?
A: Typically, your farm insurance will cover the following:
- Personal Property — Damage, loss, or theft to the contents of your home.
- Farm Structures — Damage, loss, or theft to outbuildings like barns, silos, etc.
- Machinery and equipment — Damage, loss, or theft to tractors, trucks, balers, etc.
- Livestock & poultry — Loss and/or treatment expenses due to disease.
- Crops, stored grains, hay — Loss due to disease, disaster, or weather.
- General liability — Protection against lawsuits, damages brought about by a third party.
- Pollution liability protection — for bodily injury or property damage resulting from actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of farm pollutants.
- You can also add customized and/or enhanced coverage for:
- Sewer backups
- Replacement of farm losses of various kinds
- Comprehensive water coverage
- Power interruption
- Loss of income protection
- Increased fire department charges
- Employer’s liability and voluntary compensation for employees
- Farm accident insurance
Your Dawson & Keenan broker can guide you through your options and help you design the best farm insurance coverage at the best price.
Q: What is considered a farm property under a farm insurance policy
A: Dawson & Keenan works with insurance providers who cover dairy farms, poultry farms, cattle ranches, crop farms, orchards, berry farms, and wineries among others. Hobby farms can be covered under a special form of insurance. Marijuana farms must be licensed by Health Canada, in order to qualify for farm insurance.
Q: I’m a hobby farmer, so farming is not my primary occupation. Do I still need farm insurance?
A: A homeowner’s policy doesn’t cover many of the risks associated with farming — even hobby farming. Dawson & Keenan can review your current insurance portfolio and help you decide which insurance options would provide the most comprehensive coverage for your lifestyle.
Q: My farm is broken up into multiple acreage in a few different locations. How do I insure everything?
A: One farm insurance policy can absolutely cover all of your acreage, no matter location or distance. We can help arrange the right coverage for each location and also help you cover structures, equipment, etc. at every location, all on one affordable farm insurance policy.
Q: If I have a farm with multiple living quarters for the farm workers, can I cover these buildings?
A: If there are multiple homes or structures on a farm or ranch, you can insure all buildings or structures. Just make sure that all buildings on the property you want insured are listed.
