Safeguard your crops and investments with Grain and Cash Crop Insurance.

Protect your harvest and income from unexpected natural disasters or fires. Our comprehensive coverage options ensure the safety of your crops, assets, and livelihood.

Click on one of the below topics to unpack your Farm Insurance:

Farmer's Liability

The comprehensive farmer’s liability covers owned, rented, or leased land and property for personal and farming activities. It covers bodily injury and property damage from individual actions, farming operations, and volunteer liability.

Basic liability starts at $1 million and can go as high as $10 million. It is also the cheapest and most worthwhile coverage on your policy to purchase.

Buildings & Contents

The insurance provider offers coverage for direct physical loss or damage to insured property that results from an insured peril. This coverage applies to farm buildings or structures, along with permanently attached fixtures and equipment that form a part of and pertain to the use of the building or structure on the farm premises.

Contents within the farm buildings or structures on the farm premises are also covered. However, limits may apply and should be reviewed with your advisor.

Machinery Coverage

You can add machinery coverage one of two ways:

a) Scheduled equipment, including mobile machinery, implements, or irrigation equipment, along with their attachments specifically described and listed on your Cover Page.

b) Blanket equipment, which includes (i) mobile machinery and implements, along with their attachments, and (ii) tools, which are independent devices, apparatuses, or instruments used for repair, construction, or maintenance.

Loss of Use Coverage

Loss of use coverage can reimburse you for any expenses incurred while renting replacement machinery or equipment, excluding irrigation equipment. This applies to any insured machine that has become inoperable due to loss or damage caused by an insured peril. If two or more items become inoperable in the same occurrence, each item of machinery insured is covered separately.

Crop Input Coverage

Whether it’s your grains, oil seeds, pulse crops or feed and fodder, these commodities are essential to your farm’s income. Commodity coverage can help protect you from an unexpected financial loss due to an insured peril.

Input coverage is for fertilizer, chemicals, and seeds essential to your crops’ success and operation. In a claim like a fire, replacing these inputs could be pricey. With Input Coverage in place, your policy would respond so you won’t have to pay out of pocket.

Succession Planning

Speak to a member of our Life & Benefits team about Succession Planning. A life insurance policy allows you to make fair allocations and ensure your succession plans are accurately realized. Taking the right steps now can make all the difference to the future success of your family and farm. Let our advisors help guide you to ensure your peace of mind.

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Seed and Produce Farmers Insurance.

Regardless of whether you are cultivating marijuana, corn, carrots, or canola, your agricultural business faces numerous risks. Unfortunately, Canadian farmers are confronted with various unique and perilous risks. In fact, even before you sow your seeds, you may already be exposed to potential dangers without realizing it. Combined with the weather’s unpredictability, it becomes evident why all Canadian farmers must ensure they have comprehensive protection.

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Protect your crops and your income with Hail Insurance.

Saskatchewan weather can be unpredictable, but you don’t have to leave the fate of your crops to chance. We proudly represent four hail insurance companies with a wide range of coverage and payment options, enabling you to receive the maximum coverage at the lowest possible cost to your operation. Our fully licensed insurance brokers with 20+ years of experience in the industry can provide on-site hail quotes and field fire coverage.

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How Volunteer Firefighting coverage can help your wallet.

Fire is a major concern for any farmer, and the costs associated with volunteer firefighting can add up quickly. Each voluntary fire department will send an invoice if they are called to help put out the fire on your land. Their 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.