Terms of Use

When you access the Ayr Farmers Mutual Web site, you agree to accept the terms and conditions described below.

Site Content

Information contained on the site is subject to modification and update and the terms and conditions of use may be changed without notice. The terms and conditions should be reviewed regularly.

Ayr Farmers Mutual does not warrant that any information, software or other material accessible through the site or through access to links to other Web sites is free of viruses, worms, Trojan horse, or other harmful components. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured. Other World Wide Web sites which may provide access to or from this site by hypertext links are entirely independent of this site. Any direction by a third party to this site shall not, in any manner be construed as an endorsement by Ayr Farmers Mutual, of any such party’s Web site, products or services.

All trademarks, text, illustrations, graphics and images are the property of Ayr Farmers Mutual, unless stipulated otherwise herein. They cannot be sold, reproduced, copied, modified, published or distributed, in whole or in part without the express written permission from the author. No content from the site may be cited on or transmitted to newsgroups, mail lists, or electronic bulletin boards, or incorporated into any other Web site without prior written consent from Ayr Farmers Mutual. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the site may be a violation of any federal or other law that may apply to trademarks and/or copyrights and give rise to legal action.

Use of the Site

Information provided on the site is not intended to provide any insurance or legal advice and Ayr Farmers Mutual disclaims all liability arising from the use of information contained on the site. The materials and information on this site are provided as is, and without warranties of any kind, either expressed or implied. Access and use of the site is subject to all laws and regulations applicable in your province or territory of residence.

You agree that your use of the site shall be on an “as is” basis and entirely at your own risk. No person associated with Ayr Farmers Mutual, its affiliated companies, officers, directors and/or employees, or the creation of the site shall be held responsible for any harm, loss or damage connected with the use of the site, including third party, direct or indirect damages.

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Have you always wanted to start up a commercial landscaping business, but don't know what insurance you will need? The short answer: a Contractor's Package policy. A Contractor's Package policy offers ... Read more

Should I Insure My Engagement Ring?

Wednesday, May 17, 2017

You’re engaged? Congratulations! Such an exciting time, but with so many details to think about: DJ or live band? Cake or cupcakes? Insure your engagement ring or don’t? Hmm… I bet that last ... Read more

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Tuesday, May 09, 2017

Hey crafters! Are you considering starting a business to sell your crafts, but not sure what you need for insurance coverage? Here is a handy infographic to help you get started: Read more