Farm insurance

rotecting farms for nearly 160 years
It’s simple. When you have a claim, we’ll be there for you.
Ontario Mutuals is a strong supporter of the agricultural community — after all, it’s where we got our start.

Here are just some of the groups we’re proud to sponsor:

The Ontario Plowmen’s Association, parent host of the annual International Plowing Match and Country Expo.
4-H — Leaders building leaders. The roots of the 4-H program were farm focused and directed at the development of rural youth. Throughout the last century, the program has evolved to engage youth from both rural and urban settings. Clubs focus on a wider array of issues pertinent to today’s youth.
The Ontario Agricultural Hall of Fame Association
The Ontario Soil and Crop Improvement Association
The Advanced Agricultural Leadership Program

We’ve been insuring farms in Ontario for over 150 years. There is simply no other insurance company in Canada that can offer the level of insurance expertise and local knowledge of agri-business risks that Ontario Mutuals companies provide.
More important features:

Farm dwellings (including personal property, living expenses and personal effects)
Livestock and produce
Machinery and equipment
Limited pollution liability
Livestock mortality (cattle & horses)
Harvested crops, seed, commercial feeds, herbicides, pesticides and fertilizers
Potential loss of income following an insured property loss
Personal liability
Liability coverage for your farm operation
Between accidents and Mother Nature, managing your risk with the right coverage makes all the difference — the Mutuals difference.
Farm Coverage
Wawanesa’s farm coverage package, Your Farm Insurance Policy, offers the same coverages as Your Personal Insurance Policy in addition to the following:

Barns, Buildings and Other Structures located on your farm
Contents Coverage of property used in your farming operations
Farm Liability
Farm Machinery, Equipment, Tools and Parts
Feed, Grain, Chemicals, Fertilizer and Produce

We also have a variety of Optional Coverages** available, such as:

Boarding and Training of Horses Coverage
Feedlot Liability Coverage
Limited Sewer Backup Coverage
Loss of Use Coverage on Farm Machinery
Milk Contamination Coverage
Replacement Cost Coverage on Farm Machinery*
Short Term Rental Coverage
Water Defence Coverage

* On qualifying risks and subject to conditions of the policy.
** Some coverages may not be available in all areas.

Please contact your Insurance Broker for the complete listing of Optional Coverages available for Your Farm Insurance Policy.

Farm Insurance Tips

If you choose to make significant changes or additions to your property, notify your Insurance Broker. Full disclosure of all details of the risk is needed in order for your insurance to be effective.

To save even more money on insurance, increase your deductible. By doing this, you agree to pay a little more of the loss when you have a claim, but your premiums are reduced.
Farming isn’t like other business, so The Co-operators offers insurance plans specially designed to meet farmers’ needs. It’s what you’d expect from a company founded by farmers. If you would like more information on any of our insurance products, just give us a call. Your local Financial Advisors will be happy to answer any questions you have about Farm insurance and give you a free, no-obligation quote. Our basic Farm policies offer coverage for:

Personal Property
Farm Structures
Farmers General Liability
Pollution liability protection
Your farm is your life’s work. Protect it with an insurance company that’s part of a co-operative, one that understands exactly what you need. Your local Financial Advisor will help create an insurance plan that’s customized just for you.

*Note: The Co-operators does not sell Farm insurance in Québec.

Customized coverage
We believe in giving you many options, so you can build a plan specific to your situation without adding coverage you don’t need. We offer the following and more as options:

Replacement cost coverage
Sewer backup coverage
Comprehensive Water coverage*
Loss of use of farm machinery
Power interruption
Loss of income protection (business interruption)
Increased fire department charges
Employer’s liability and voluntary compensation for farm employees (not available in all provinces)
Farm accident insurance
* Only available for Ontario, Alberta, Nova Scotia, and British Columbia homeowners.
Farm assessments
We believe in taking the time to get to know you and your farm operation and find out exactly what coverage you need.

Your Financial Advisor will come out to your farm to review your operation and your existing insurance coverage to make certain you get a policy that meets all your specific needs. We know that the needs of a large commercial farming operation are far different than those of a hobby farm, and that poultry or dairy farmers need different coverage than produce or hog farmers.

Our Financial Advisors know exactly what to look for, and will conduct a thorough review of your property to ensure that you are getting the quote for the insurance you need. They’ll also give you safety tips and suggestions to help keep you and your farm operation safe.

Proud sponsors of 4-H
Since 1913, 4-H has nurtured strong values such as citizenship, leadership, co-operation, responsibility, and independence in young Canadians. 4-H is a global movement that encourages rural youth to grow and learn through community service and the development of life skills.

4-H clubs focus on helping youth “Learn to Do by Doing” in a safe, inclusive, and fun environment. 4-H’ers learn new skills, whether it’s completing crafts, building websites, public speaking, building small engines, or learning about and raising animals. 4-H Canada believes in nurturing responsible, engaged, and confident leaders who are committed to positively impacting communities across Canada and around the world.

National volunteer leader of the year award
To recognize those 4-H leaders who help make their communities a better place, The Co-operators awards 10 provincial winners with a certificate and a $100 cash prize. From this group, a national winner is chosen in a lottery for the Grand Prize of $1,100 cash and a trip to the National 4-H Conference.

Nominate a 4-H leader in your community for The Co‑operators 4-H National Volunteer Award.