Dairy Farm Insurance

As an Ontario dairy farmer, you face many risks to your business. From loss of livestock and natural disasters to liability due to contamination, personal injury, property damage or other events, any loss can be devastating. Protect your assets with our Supreme Dairy Farm Insurance Plan and you'll be covered for these and more.

Supreme Dairy Farm Insurance

Our Supreme Dairy Farm Insurance Program has been crafted by multiple experts in the agriculture industry that cater to the risks an Ontario dairy farmer faces.

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.

• Dairy Farm Buildings and Contents

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

• Milk Contamination

  Covers the costs of milk that you are forced to dump because of contaminants present in the milk.

• Contingent Milk Loss

  Covers the costs of milk that spoils as a result of the  failure of the milk pick up by a third party (i.e., Milk Truck).

• Supreme Farm Extensions

  A list of 33 bonus coverages that are automatically included in your policy, including the nutrient management program, tools & equipment coverage, semen/embryo tank floater, 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 can provide coverage if you are forced to rent machinery due to an insured loss.

• Loss of Income

  Covers  the cost of lost farm income as a result of an insured loss on your dairy 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, or if you are involved in a collective contamination incident. These could cover liability, 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/or 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.

• Third Party Milk Contamination

  Covers your liability if milk from your tanks are contaminated and get mixed with the milk of other farms, resulting in a collectively contaminated milk supply.

Advantages of Supreme Diary

Our programs are expertly tailored to bring you the biggest return on investment. Enjoy these advantages when you invest in a Supreme Dairy 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 was 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 dairy 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 can develop a 'statement of values' for everything on your farm. This is an easy, convenient way to keep track of monetary values for things on your farm - especially if your dairy 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 (i.e., the amount that you self-insure) for your policy may be waived.