Crop Farm Insurance

As an Ontario crop farmer, you face many risks to your business. From physical damage to your farm buildings, machinery and equipment to loss of income, personal injury, property damage or other events, any loss can be devastating. Protect your assets with our Supreme Crop Farm Insurance Plan. 

Supreme Crop Farm Insurance

Our Supreme Crop Farm Insurance has been crafted by multiple experts in the agriculture industry that cater to the risks faced by a modern Ontario crop farmer.

Your policy will include coverage for the following:

• Livestock

  Covers loss or damage to your cattle, including dead stock removal, emergency vet expense, exhibition coverage, medicine, newly acquired & non-owned livestock. Optional coverages available to cover damages caused by heat prostration.

• Crop Farm Buildings & Contents

  Covers loss or physical damage to farm buildings, their contents, produce, feed, fertilizer and pesticides, grain and much more. 

• Product Recall

  Can cover reasonable expenses related to removing your product from store shelves and notifying consumers.

• Consequential Loss for Refrigerated Produce

  Damage caused to product by the sudden change in temperature from a refrigeration unit.

• Supreme Farm Extensions

  A list of 33 bonus coverages that are automatically included in your policy, like the nutrient management plan, tools and equipment coverage, and cyber events.

• Mobile Farm Machinery & Equipment

  Covers loss or physical damage to moveable equipment owned by you, or owned by others that you have control of. We can also provide coverage if you are forced to rent machinery as a result of an insured loss.

• Loss of Income

  We cover the cost of lost farm income as a result of an insured loss on your crop farm (during a specified period of time). 

• Contingent Business Income

  Can cover the income lost by your business due to an interruption in your business because of a third party’s loss. For example, a fire destroys a supplier’s building and you cannot conduct business with that supplier.

• Earthquake

  Covers loss or damage to farm buildings and farm contents as a result of an earthquake.

Farm Liability Coverages

Liability coverage protects you in the event that another individual's body, property or reputation is damaged by unintentional actions. These could cover damages or court costs.

• Bodily Injury & Property Damage

  Covers the financial damages owed and cost to defend you in court when your business is found liable for injury or damage to others and their property.

• Personal and Advertising Injury Liability

  Covers the financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury.

• Medical Payments

  Covers the medical expenses related to an injury caused to another on your farm’s premises (rehabilitation costs, for example).

• Tenants Legal Liability

  Covers damages caused to the property of others if you are renting another location.

Advantages of Supreme Crop

Our programs are expertly tailored to bring you the biggest return on investment. Enjoy these advantages when you invest in a Supreme Crop Farm Insurance Program:

• Margin Clause

  If you can show that the value of one particular item increased in value since the last statement of values completed, the amount recoverable in a loss can be increased up to 15%.

• Competitive Coverage & Rates

  We're focused on your needs. That's why our crop farm insurance policy coverage was crafted by experts in the insurance industry. With competitive coverage and rates, you'll have the coverage you need at an affordable price.

• We keep track of the values

  Our Agents and Brokers will develop a ‘statement of values’ for everything on your farm. This is a very easy and convenient way of keeping track of the monetary values for the things on your farm, especially if your crop operation is always buying and selling livestock and equipment! We will review the ‘statement of values’ with you personally before renewing your insurance.

• Waiver of Deductible

  Depending on the size of the loss, the deductible (ie. the amount that you self-insure) for your policy may be waived.