Protect your Harvest
Farmers Work Hard, So Should Their Insurance
At Acumen Insurance Group we understand that no two farm operations are identical and each operation may have circumstances that require a special level of detail. Insurance for a small 10-acre hobby farm is much different than an 80-acre cash crop farm. While most policies do have common coverage available for items such as your home, outbuildings, machinery and livestock under your care. There is also liability coverage in the event someone is injured while visiting the farm or if you are spraying to protect your crops and the wind blows the chemicals and causes damage to a neighbor’s property.
Get a QuoteFor Farms Of All Types & Sizes
Acumen Insurance Group realizes that each farm has a unique set of insurance needs thanks to their size and type of operation. We have strong partnerships with many of Canada’s top insurance companies that provide a wide range of product offerings.
Get a QuoteTypes of Farms
- Dairy Farm: Dairy farm insurance policies are designed to protect your assets. Coverage is available for things like buildings, livestock, machinery, land, and liability.
- Beef Farm: Beef farm insurance policy is important to protect not only your livestock but your assets as a whole. We have protection packages that cover your buildings, contents, equipment, liability and even transportation of the livestock.
- Hobby Farm: Typically smaller operations than most commercial farms. These farms are more of a hobby than a way of generating revenue. Because hobby farms can look very different from risk to risk it is important to make sure you have a knowledgeable farm insurance broker on your side.
- Poultry Farm: Our poultry insurance packages protect your buildings, farm machinery, livestock, business interruption and more. Give our farm insurance brokers a call today.
- Cash Crop: Cash Crop Farm Insurance; these crops are your livelihood and very important to our communities. With so many potential risks it is important to get the expertise of a broker to help with your crop insurance policy. Our coverage will protect your buildings, equipment and machinery, liability, and of course crops.
- Greenhouse Insurance: For growers who need customized insurance to reflect their operations. Coverage includes glass & poly greenhouses, service buildings, crop, equipment breakdown, packaging supplies, liability.
What We Cover
- Business Interruption Insurance: Fires can happen at any time and cause extensive damage to your farm operations, with this coverage you’ll be able to support your family until the farm is back up and running.
- Structures on your farm: A farm can be a busy place, especially if you have a store or stand on the farm and someone gets injured and they sue you for falling or getting hurt while working on your farm.
- Livestock & Crop Protection: Animals and crops are your inventory, You’d want to have protection in place should they suffer damage.
- Liability: A farm can be a busy place, especially if you have a store or stand on the farm and someone gets injured and they sue you for falling or getting hurt while working on your farm.
- Equipment Breakdown: This coverage protects you from damage caused by boilers, pressure vessels, electrical distribution, mechanical systems, computers and electronics. Some examples include Power Surge, Overload, Oil Contaminant, Metal Fatigue.
- Vehicles: This includes everything from your trucks, trailers and farm equipment.
Liability: Pollution Liability
This is extension that provides coverage for legal liability arising out of sudden and accidental which are discovered in 120 Hours* (refer to your policy wordings)
Examples of this coverage:
- Chemical overspray from farming operations.
- Accidental spill caused by a tenant on your land.
- Accidental spills from vehicles collisions.
The cost associated with this typically depends on the number of tanks, and limit of coverage required.
Liability: Excess Liability
Provides excess liability coverage over your farm, farm vehicles and personal watercraft. It may also provide coverage for additional coverage which is not normally covered.
Premiums are based on total acreage, number of farm vehicles, recreational vehicles and limits of coverage requested.