Farm, Ranch & Crop Insurance

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Combine harvester harvesting wheat

Get reliable Farm Insurance that Saskatchewan farmers can trust.

As a farmer, you know the importance of protecting your property, crops, and livestock. With farm insurance, you can have peace of mind knowing that you’re protected against unexpected losses.

Click on one of the below topics for industry-specific Farm Insurance:

Corporate Farm ←

Any farm operation that’s incorporated as a business entity will likely be considered a corporate farm by insurance companies.

Here are some indicators that a farm might be considered corporate for insurance:

  • Business Structure: The farm is registered as a corporation, limited liability company (LLC), or another formal business structure.
  • Size and Scale: The farm is very large in size and operates more like a business than a traditional family farm.

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Dairy Farming ←

Most insurers will likely consider a farm a dairy farm if its primary agricultural business revolves around raising cows for milk production. This typically involves having a herd of dairy cows, facilities for milking and storing milk, and potentially land for growing feed for the cows.

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Grain & Cash Crop ←

Insurance companies generally consider farms that focus on growing crops sold for a commodity price (like corn, wheat, soybeans) to be grain and cash crop farms. Here’s a breakdown of what typically qualifies:

  • Crops: Primarily grows grains (corn, wheat, barley, etc.), oilseeds (canola, soybeans), pulses (beans, peas, lentils), or high-value specialty crops sold directly.
  • Focus: The main source of income comes from selling the harvested crops.

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Hobby Farming ←

Here are some characteristics that typically define a hobby farm for insurance purposes:

  • Size: The land area is smaller than a commercial farm.
  • Income: The primary purpose isn’t generating profit. Income from the farm is minimal or a small portion of your overall income.
  • Employees: You likely don’t have any employees helping you run the farm.

Here are some activities that might indicate you have a hobby farm:

  • Raising livestock (chickens, cows, horses, etc.)
  • Selling eggs, dairy products, or produce from your land
  • Renting out part of your land for agricultural purposes

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Ranching & Livestock ←

Insurance companies generally design policies with ranching & livestock operations in mind that focus on two key areas:

  1. Livestock: This is the primary focus, and the policy will cover various livestock species you raise, like cattle, sheep, goats, horses, or even pigs and chickens.

  2. Land and Operations: The insurance acknowledges the land, barns, and equipment needed for raising livestock. Coverage extends to protecting these assets along with the animals themselves.

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Hail Insurance ←

A hail policy protects farmers against financial losses due to hail damage to their crops. Here’s a breakdown of what it typically covers:

  • Physical damage: Hailstones physically damage your crops like corn, soybeans, wheat etc.
  • Percentage of loss basis: Reimbursement is based on the percentage of damage sustained by the crop, not the total loss of the crop. For instance, 30% damage would result in 30% of the insured amount per acre being paid out.

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Protect your crops and your income with Hail Insurance.

Saskatchewan weather can be unpredictable, and hailstorms in 2022 caused significant damage to crops across the region. Between July 4th – 11th, the Canadian Crop Hail Association (CCHA) investigated more than 1,102 storm-related claims for crop damages.

Choose from our four trusted hail insurance companies: Municipal HailCHA Canadian HailPalliser Insurance, Co-operative Hail, and Rain & Hail.

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hailstorm 2022

How does Farm Insurance protect you?

One of the key areas that farm insurance covers is the protection of farm buildings, including barns and silos, as well as your home. Your farm insurance can also safeguard against lawsuits arising from personal injury or property damage claims related to your farming operations and products. Coverage can also include:

  • Machinery, tools, and equipment
  • Crops and livestock
  • Outbuildings
  • Business activities (agritourism, animal shows, farmers’ markets)
  • Essential resources (fertilizer, chemicals, feed)

farm equipment insurance

What is Voluntary Firefighting coverage?

Depending on your location, multiple voluntary firefighting departments may respond if a fire occurs on your land. Every voluntary fire department will send an invoice if they are called to help put out the fire on your land.

Each department’s rates may differ, and you could see anywhere from $900 to $1200 charged as an hourly fee. It’s always important to contact your local RM or Municipal Office to find out if your taxes cover these charges or add voluntary firefighting to your policy.

voluntary firefighting coverage

Have a question about farm insurance that isn’t answered on this page? Check out our Farm Insurance FAQ ←

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