Coverage built around your operation
Key areas of farm insurance coverage
Every farm is different. A policy can be customized to reflect your operation’s size, property, machinery, animals and production, with coverage for the risks that matter most.
Farm property insurance
Coverage can include barns, arenas, storage structures, greenhouses, processing facilities, outbuildings, your home and other structures essential to your farm.
Equipment breakdown
This coverage can help pay to repair or replace essential farm equipment following an unexpected mechanical or electrical breakdown.
Livestock and animal mortality coverage
Coverage can respond when insured horses, cattle, poultry or other livestock are injured, become ill or die, including while on the farm or in transit.
Farm liability
Liability coverage can respond if your farming activities, equipment or animals cause third-party bodily injury or property damage.
Pollution coverage
Pollution insurance may help cover eligible clean-up costs arising from a covered pollution incident connected to your farm operation.
Business interruption insurance
If a covered event such as a building fire temporarily shuts down your operation, this insurance can help cover essential ongoing expenses.
Solutions for diverse operations
Farm insurance for many types of operations
Coverage can be tailored for a wide range of Canadian farms, from small hobby properties to complex commercial operations.
Livestock and animal operations
Options are available for cattle, equine, poultry, livestock and exotic animal farms.
Crop and growing operations
Coverage is available for crop farms, orchards, vineyards, vegetable farms, seed producers and growers.
Specialized and mixed operations
Solutions can also support hobby farms, feed producers, custom operators and mixed farming operations.
Practical guidance, broader choice
Farm expertise grounded in your community
Work with local advisors who understand agriculture and can build coverage around the realities of your farm.
Learn from our farm insurance experts
Ask our farm insurance specialists how to identify coverage gaps, document key assets and keep your policy aligned as your operation changes.
“Review the limit on your outbuildings. If your policy is based on replacement cost, you’ll need to factor in rising construction costs to ensure your coverage limit is enough to replace the building entirely.” – Amanda Stannard, Team Leader, Agriculture Insurance
“Farm insurance is unique to your specific farming operations. Contact your Acera Insurance advisor to review if you have a change in your farming, added equipment or farm animals to make sure you have the best available coverage.” – Tammy Sali, Team Leader, Agriculture & Equine Insurance
“Every six months, take some time to walk through your home, shop, barn, and other buildings on your property and take photos &/or videos of your belongings. Documenting your equipment, tools, vehicles, artwork, jewelry, and other valuables can be extremely helpful if you ever need to file an insurance claim, as it can jog your memory and provide proof of what you owned. It's also a great opportunity to review whether your insurance coverage is still adequate. If you've purchased new equipment, acquired valuable items, or made improvements to your property since your last review, it may be time to contact your broker and update your policy to ensure you have the right coverage in place.” – Kendra Sommerville, Account Executive, Agriculture Insurance
