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Farm liability insurance can help protect you and your assets from lawsuits and losses caused by bodily injury and property damage.

A Farm Policy covers the Farm Personal Property (such as farm machinery, grain, livestock, and any farm tools) that you use in your operations. The policy can be customized to cover farm buildings or structures you wish to insure. Always best to speak with an Advisor to see what type of farm insurance in Canada works for you.

A hobby farm (also called a lifestyle block) is a smallholding or small farm that is maintained without expectation of being a primary source of income.

Farm insurance is important because it protects the farmer or agricultural business owner from claims and lawsuits such as personal injuries or property damages due to accidents related to your farming business. Similar to home or auto insurance, you can use farm insurance in Canada to protect yourself and others from unforeseen perils and accidents.

Farm insurance in Canada is a hybrid form of coverage that protects you both personally and commercially and is similar to a standard homeowners policy. For example, farm insurance coverage will protect your home, possessions and personal liability and beyond that your machinery and livestock.

It also includes personal property directly related to your farming business and is conveniently broken down into three categories: farm machinery & equipment, livestock and farm products (such as seeds, silage, animal feed, fertilizers and pesticides) all of which are important to your farming business.

Beyond that, you can opt for additional coverage, you just need to speak to your insurance advisor on what your situation requires.