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Farm Insurance

Taking the Risks Off Your Shoulders

Farmers are no strangers to risk. But some risks are best dealt with through smart insurance coverage. That’s why we created FarmAssure — to protect the business that you’ve worked so hard to build.

Our farm industry specialists have seen it all over their collective 118 years working with farming operations of all kinds. They understand the unique concerns of agribusiness owners, and their insurance and business planning expertise will help you get the coverage you need.

Complete Farm Insurance Coverage

FarmAssure’s coverage is a complete but flexible program designed for commercial dairy, grain or oilseed, livestock, produce, game meat, and equestrian operations of all sizes. We understand that every farm is different, and each has its own insurance requirements.

FarmAssure has all the basics that you know you need — like fire and theft insurance — plus options that can help with long term planning.

The program provides access to the best coverage offered by insurance companies from across Canada. You don’t have to pay for anything you don’t need, and you can choose the amount of coverage for each item. All businesses change over time, so if your needs change, you can change your coverage too.

Coverage Included

  • Personal liability and farm dwellings (including personal property, living expenses and personal effects)
  • Farm liability
  • Barn complexes and outbuildings
  • Livestock and produce
  • Machinery and equipment
  • Business interruption and builders’ risk
  • Harvested crops, seed, commercial feeds, herbicides, pesticides and fertilizers
  • Liability for others’ onsite livestock
  • Pollution liability
  • Livestock mortality and diseases


We offer the guidance for:

Our qualified advisors make sure your plan is properly structured for both the short and long term and take advantage of every tax break available to your business.

Communication That Keeps You in the Driver’s Seat

With FarmAssure, you not only get a farm insurance expert as a single point of contact, but an entire team of insurance industry experts supporting you.

As your insurance broker and risk manager, we:

  • Get to know your business and discuss your insurance needs with you.
  • Explain the options and ensure you know how you’re protected.
  • Review your coverage with you every year.
  • Provide help if you ever need to make a claim.

With the knowledge that your risks are well managed, you’ll be able to keep your mind on the complexities of farming.

Farm Insurance Options

Cyber Liability Insurance for Farmers

Most farms use electronic records these days. While electronic data may be convenient and efficient, any computer connected to the Internet can be hacked or have its files locked and held for ransom.

There are ways to overcome a cyber attack, but they cost money. If your data security is breached by hackers, FarmAssure’s cyber liability coverage will help you cover the costs to deal with the situation.

Our coverage can help recover the costs of:

  • Crisis management
  • Forensic computer services
  • Cyber extortion
  • Data restoration
  • Legal defense
  • PCI fines and judgments
  • Business interruption

Hackers will target any system, large or small. Kaspersky Cyber Security Solutions has reported that the average cost of a data breach for small and medium sized businesses is $158,000.

Ask our FarmAssure specialists about the level of coverage you should have.

Corporate Life Insurance

Farms have key team members, like owners and managers, who are essential to the success of the operation. If anything ever happened to them, how would your business continue? 

Farming can be a dangerous business even in the most safety-conscious establishment. Protecting the business from the worst case scenario is a good reason to have corporate life insurance. With corporate life insurance, your beneficiaries can include your business, your family, and even a favourite charity. 

Corporate life insurance can also help your financial investments grow. When you hold your investments within a permanent life insurance policy, they are taxed at a lower rate. You could have more money for your retirement and your beneficiaries can receive more when you pass on.

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Critical Illness Insurance

If you suffer from a critical illness like a heart attack, stroke, or cancer your chances are better than they were in the past thanks to advances in medicine. But it’s essential to your health that you get the time you need to recover.

That’s where critical illness insurance can help. It provides you with a lump sum that you can use to cover business expenses, get extra care, or even hire additional employees.

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Business Owner Succession

If you’re getting ready to retire and hand over the business to a new generation of owners, you may be wondering about ensuring a smooth transition and minimizing taxes. There are many things to consider, including setting up your farm as a corporation, assembling an advisory team, and the investments you’ve made to help fund your retirement. We can help.

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Attracting Employees with Group Benefits

Great employees are hard to find and hard to keep. Having a solid offering of benefits is a great way to do both. Your FarmAssure package can include customizable employee benefits packages that you can adjust to your needs and to the preferences of your team. You can include coverage for things like dental, pharmaceuticals, vision care, massage, and chiropractic treatments. Best of all, thanks to our large network of buyers, you’ll enjoy bulk group rates.
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Business-Owned Disability Insurance for Your Employees

You and your top people drive your business’ revenue. But if one of you develops a disability, that can make a huge impact on your business. Disability insurance can help ensure that there is money to find a qualified temporary or permanent replacement if an issue like chronic pain or mental illness develops. It can cover overhead expenses, and some types can be used to buy out a business partner who becomes disabled. For your employee, it can help cover their monthly bills and provide peace of mind.
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