Commercial Farm Insurance for Canadian Agricultural Operators
Running a farm is more than a job—it’s a high-stakes business. From extreme weather to equipment breakdowns, your operation needs specialized protection to ensure long-term success. Our commercial farm insurance solutions are designed for today’s complex and diversified farm operations.
Whether you’re growing grains in the Prairies, managing a dairy operation in Ontario, or running a multi-crop farm in British Columbia, we provide tailored coverage that meets your risk profile.
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Coverage Built Around Real-World Farm Risks
Property Protection
Insures barns, greenhouses, silos, and your primary dwelling against fire, storms, vandalism, and more.
Machinery & Equipment
Tractors, combines, sprayers, and irrigation systems are covered for damage, theft, and mechanical breakdown.
Commercial Liability
Covers bodily injury or property damage claims from farm visitors, contractors, and neighbors.
Livestock Coverage
Protects cattle, poultry, pigs, and other animals against illness, injury, transport loss, or natural disasters.
Crop Insurance
Compensates for yield or revenue loss due to drought, flood, frost, disease, or pest infestation.
Business Interruption
Replaces lost income and covers fixed expenses if your operations are halted due to a covered loss.
Why Choose Our Farm Insurance Experts?
We understand agriculture. Our advisors come from farming families and work directly with Canada’s leading insurers. We tailor policies that reflect the seasonality, complexity, and capital intensity of running a farm—without unnecessary premiums or policy gaps.
We’ll help you build a comprehensive farm package that protects your income, your land, and your legacy.
Frequently Asked Questions: Commercial Farm Insurance
A commercial farm generates income through the sale of crops, livestock, or agri-services. If you’re producing at scale, employing staff, or using commercial-grade equipment, you’re likely eligible.
Yes. Most farm policies can bundle your personal and business coverage. This includes your residence, personal contents, and operational infrastructure like barns and silos.
Absolutely. Seasonal and migrant workers can be covered under optional liability and injury extensions. Coverage can include workplace injuries and employer liability.
Crop insurance protects against yield shortfalls and price drops caused by drought, flood, frost, and more. Claims are typically calculated based on average yields and market price benchmarks.
Yes, many policies can include non-owned or leased machinery. Be sure to disclose all equipment used in operations during underwriting.
Typical exclusions include wear and tear, improper use of equipment, and deliberate acts. Pest damage not part of an insured peril may also be excluded unless you have crop-specific coverage.
Yes. Crops like ginseng, hemp, or grapes often require customized underwriting. We work with specialty carriers to ensure proper coverage.
Business interruption insurance can provide limited protection for income lost due to covered delays, though specific endorsements may be needed.
Yes, provided these items are stored securely and listed in your policy. Theft from unlocked areas may not be covered.
Once we receive your farm details, coverage can often be placed within a few business days, depending on the complexity of your operation.
Talk to a Farm Insurance Specialist Today
Get a custom quote and risk review with one of our licensed farm advisors.
Coverage options available for all Canadian provinces.
