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.

BLOG POSTS

Trees, Lawns, Shrubs and Plants - Are They Covered?

Tuesday, July 04, 2017

When was the last time you thought about insurance coverage for that tree in your yard? Our guess: likely never. We see a lot of damaged greenery this time of year. We find that homeowners are unaware of the Home ... Read more

What Kind of Insurance Do I Need for My Hair Salon?

Monday, June 05, 2017

Have you always wanted to start up a commercial hair salon, beauty parlour or even a barber shop? Not sure what kind of insurance you will need? The short answer: a Retail Package Policy . A Retail Package Policy ... Read more

Should I Insure My Fishing Gear?

Wednesday, May 31, 2017

It’s 6 a.m. You stand at the edge of an old wooden dock to take in the beautiful Ontario scenery. The sun is rising and the fog is slowly lifting. The wind is absent and the water is glass. You see a fish surface in the ... Read more