We can’t predict the elements, but we can protect you from the unexpected. Whether you own or operate a commercial or hobby, dairy, grain, livestock, vineyard or produce farm, we understand that every farm is different from the next, each with its own insurance requirements. We offer customized farm insurance packages to suit every bit of your farm.
Our company partners that specialize in farming have seen it all over the past 118 years working with farmers on farms of all shapes and sizes. They have the grassroots knowledge and understanding of agri-business, a love of fresh air and aren’t afraid to get dirty.
Palladium Insurance wishes to share our insurance expertise and hands-on personal service with you. Insuring your farm against the unexpected is a top priority because if the time comes when you need to make a claim, Palladium Insurance will be there to help out and get you back into your daily run.
We offer essential farm insurance coverage options which could include:
We offer the right tools for:
Our qualified advisors make sure your plan is properly structured for both the short and long term and takes advantage of every tax break available for you.
We have the right coverage for your farm: Cash crops, Dairy, Beef, Hog, Poultry, Equestrian including boarding, Gaming meats, and Custom Farming.
“The average cost of a data breach for small and medium sized businesses is now $158,000…” – Kaspersky
Most modern farms use electronic record keeping. With the convenience of electronic data, however, comes the threat of files being hacked, stolen, or even held for ransom.
As part of a comprehensive data management program, FarmAssure’s cyber liability components help you navigate cyber security situations.
Our coverage can help recover the costs of:
Don’t assume you can’t be a target because you have a smaller business – hackers will target any system they think they can breach.
Ask our FarmAssure specialists for advice on the right level of coverage for your practice.
Good employees are a major asset to your business. Benefits like health and dental coverage can help you retain the employees that help your business thrive.
FarmAssure coverage suites can optionally include employee benefits programs that combine the savings of bulk group rates with the flexibility to customize your plan.
Whether you’re a startup or well-established business, life insurance is a versatile tool that can help you achieve your business goals and protect your hard work.
Life insurance can help protect your company, your family, your partners and key employees in the event of an unexpected death.
It can also help you get more from your company’s assets and reach your long-term financial goals. By putting your money in a permanent life insurance policy instead of corporate investments, which are generally in a higher tax bracket, less money could be lost to taxes. It means you could have more funds to spend while you’re alive, and your estate or shareholders could receive more when you die.
Some risks require short term solutions, while others are of a more permanent nature. Having the right solution for the specific problem is where we come in. We will work with you, and your team to uncover both the current issues, as well any areas that may cause problems in the future.
Our team of experts will work with you in all areas of risk, then build a comprehensive program to take the risks from you, and put them on the insurance carriers…where they belong.
Advances in medicine mean more people survive illnesses like cancer, heart attack and stroke than ever before, but recovery may come with a significant financial cost that can throw your business off course.
Critical illness insurance can provide you with a lump sum payment to help you recover on your own terms while your business continues to operate.
By having critical illness insurance, you don’t have the added stress of weighing what’s best for your business versus what’s best for your recovery.
Critical illness insurance can be used to help support the costs of your recovery so you can maintain your commitment to your business and your future.
Your benefits plan can be as comprehensive as you and your employees require. Choose from favourites like pharmaceutical coverage, vision care, dental, massage, chiropractic, and even travel insurance.
With FarmAssure, you get the best of both worlds:
This creates a win for your employees, and a win for your practice.
While a disability can often be visible to the naked eye, not all disabilities are so easily recognized. Whether it’s chronic pain or a mental health issue, a disability can come in various forms.
Being sick costs money, especially when you have a business to run. Disability insurance can help you mitigate this risk and can also help you recruit and retain top-level talent.
You and your top people help drive your business’s revenue. Now, imagine you or a member of your leadership team lost their ability to work—what would you do?
You’ve worked your whole life to build and to maintain a profitable business. Now, it’s time to enjoy the fruits of your labour.
You’re making plans to pass your business on to the next generation of owners. Along the way, you’ve bought into various investment vehicles. These may make your earnings vulnerable to high tax rates. Do you know how much you’re paying in taxes from those investments?
COVID-19 Important Update:
Palladium is serious about the health and safety of its employees, and clients. Accordingly, we have been instructed to limit non-essential, in-person meetings. While our offices remain open, we ask that you please make an appointment before arriving. Many of our employees have chosen to work remotely, and by making an appointment you ensure that your broker will be available (and present) to meet with you. Please note that all public health guidelines must be followed including without limitation, the wearing of face masks, social distancing, and completion of our COVID screening questionnaire.