Farm Buildings & Structures

Your Farm Property coverage encompasses your farm dwellings, barns, silos, grain bins, and other permanent structures. These buildings and associated equipment are covered under this policy, provided they are used for your agricultural operations.

Machinery & Equipment

Farm machinery insurance covers your tractors, combines, harvesters, irrigation equipment, and specialized tools essential to your operation. Coverage extends to these items while they’re on your property or temporarily removed for repairs or use elsewhere.

Livestock & Crops

Coverage for livestock against injury, death, or theft, as well as protection for harvested crops in storage. For growing crops, specialized hail insurance provides essential coverage against weather-related damage.

Under standard policies, there are specific limits to the amount of coverage you can receive for livestock or stored crops during a claim.

Farm Liability Insurance

If you are liable for injury to someone or found responsible for damage to another’s property related to your farming operations, you could face significant legal expenses.

Farm liability insurance is essential because it helps protect you from financial losses that may occur due to accidents involving employees, visitors, or neighbouring properties.

Voluntary Firefighting Coverage

Voluntary firefighting coverage protects you from expenses incurred when voluntary fire departments respond to a fire on your property. In rural Saskatchewan, multiple departments may respond, each charging $900 to $1200 per hour for their services.