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PROGRAM FEATURES AVAILABLE (but not restricted to):
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- Farm Dwellings and Contents
- Comprehensive coverage
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Guaranteed replacement cost on farm dwellings and replacement cost on contents.
- Farm Outbuildings
- Comprehensive coverage that includes collapse or damage due to snow load, ice load as well as impact by own vehicle.
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Replacement cost – No depreciation on complete or partial losses
- Farm Machinery
- Produce
- Coverage includes loss to refrigerated produce while confined in refrigeration units within insured buildings, due to change in temperature as a result of damage to the building or equipment, caused by an insured peril or due to mechanical or electrical breakdown of the refrigeration unit or by electrical power interruption.
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Further highlights listed below
- Business Interruption (Loss of Income)
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Profits form available which includes a 12 month loss of income agreement
- Farm Liability
- Basic limits of $2,000,000 with higher limits available
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Limited Pollution Liability: Basic Limit: $500,000 per occurrence - $1,000,000 aggregate. Higher limits available.
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- Individually tailored farm programs designed specifically for your needs
- Farm equipment can be covered on a blanket basis
- Replacement coverage for new mobile farm machinery for the first five years
- Automatic coverage for borrowed farm machinery
- Automatic coverage for newly acquired equipment (30 days)
- Loss of use coverage for self propelled equipment
- Coverage on grain handling, drying and storage facilities on a blanket basis
- Public storage coverage available to comply with the “Grain Handlers and Storage Act”
- Produce covered on and off the premises including transportation
- Coverage is available for farm produce while in a grain dryer
- Multiple discounts available
- Various deducible options available
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Flexible payment plans and renewal dates
Note: Coverage available for pick your own operations, roadside stands and market stalls
CASH CROP COVERAGE
We can insure your farm equipment on an “All Risk” basis. Some of the perils covered are:
- Fire; Explosion;
- Windstorm or Hail;
- Vandalism or malicious mischief;
- Theft;
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Collision;
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