Farm Property, Equipment and Cattle Insurance

Acres of protection.

Protect yourself against the unpredictability of natural occurrences and other circumstances beyond your immediate control. Save yourself the frustration and monetary loss of down time and building, crop or livestock replacement with Farm property coverage.

Lightning strike. Wind damage. Hail. Mother Nature is unpredictable and, as a farmer, you are particularly susceptible to her fury. Insuring your property against the frequency, type and consequences of natural events directly impacts your livelihood and your ability to keep your operation up and running in times of uncertainty.

Generally speaking, farm property insurance covers five major areas of your operation: your home, outbuildings, livestock, produce and machinery/equipment. Within those areas, specific "named perils" are identified as events that constitute a loss under your policy, including by way of example:

Home

fire
lightning
explosion
smoke
falling objects
impact by aircraft or land vehicle
riot
vandalism or malicious acts
windstorm or hail
water escape from heating/plumbing systems
theft
building collapse (in some instances)

Outbuildings

fire
lightning
explosion
smoke
falling objects
impact by aircraft or land vehicle
riot
vandalism or malicious acts
windstorm or hail

Produce*

earthquake, collapse of buildings, bridges or culverts
flood
theft
collision, derailment or overturn of vehicles on which insured produce is being shipped
loss of produce when vehicle is on-board a ferry that is stranded, burns, sinks or is involved in a collision

* Produce includes farm inputs like commercial feeds, fertilizers and pesticides, and harvested farm products like milk, eggs and various products of the soil

Livestock

The named perils list for livestock includes those identified above for outbuildings and produce, plus:

accidental shooting
drowning
electrocution
attack by wild animals and non-owned dogs
blizzard, snow storm, sleet storm or rain storm
falling or collapse of buildings and trees
entrapment, piling, smothering
fumes

Machinery/Equipment

Typically, machinery and equipment used in a farm operation is not insured through named peril coverage. Instead, these items, such as tractors, are either individually listed ("scheduled") in the insurance policy or covered on a blanket basis ("broad form") as determined by the class of machinery or equipment.

Notable exceptions to coverage include aircraft, vehicles subject to registration according to the Highway Traffic Act, Off Road Vehicle Act or Snow Vehicle Act and equipment used in lumbering activities.

Farm property protection is too important to leave to chance. Maritime Insurance is local, accessible and interested in your getting the most coverage for your money.

Call us today and you'll get personal service, an inclusive policy that fits your needs, and the secure feeling of never having to wonder IF you're covered IF the unthinkable happens due to natural occurrences or other circumstances beyond your immediate control.