We know that your farm is more than just a job to you. Our farm specialists understand that more often than not, there are chores to be done well after the 5 o’clock bell rings. Let us work that hard for you.
Switching is easier than you think, and the right insurance is really affordable.
How do I decide on what to protect with my farm?
At Stewart Morrison Insurance, our Farm insurance experts will review your needs and recommend the right coverage to protect your assets:
We understand the hard work that goes into running a farm and the many different factors that can threaten a farmer’s livelihood. The good news is that with the right farm insurance you will have piece of mind to be able to keep your operation up and running for many generations.
Cattle, Horses, Lambs, Goats, Hogs, Llamas, Poultry, even guard animals such as Donkeys; any animal of husbandry. We insure for the Actual Cash Value at the time of the loss on a Blanket basis or higher value animals can be scheduled. Coverage extends to animals being transported. Coverage can be extended to include Entrapment, Casting, Hardware & animal birth. Special coverage such as Mortality for Registered or high value animals is a specialty option available
Produce is what you grow on the farm. We recommend floater coverage so it is covered wherever it is.
Farm liability insurance protects your farm operation & personal liability on and off your property. It provides coverage for anything you are legally liable for from your farm operation such as equipment traveling on the road or livestock being hit on the roadway. We can insure off-premises liability such as horse pulls, hayrides and sleigh rides, farmer’s market & retail sale of product
Your farm insurance policy can include farm outbuildings used in whole or in part for farming operations. We can provide All Risk or Named Perils coverage and will assist you to establish the correct value to rebuild the new that you need.
We insure the Actual Cash Value of your farm machinery. Scheduled or Blanket coverage is available. Options such as foreign object or ingestion can be included, as well as rental of replacement equipment.
In the event of a claim, Business Interruption coverage will provide for your loss of income until you are back operating again. We will help establish the proper limit and time period required to get you back in business.
The Province has strict legislation for pollution liability. You can be responsible for environmental damage such as a chemical or oil spill into the water system or manure run off Cost of cleanup, damages and court costs can be significant and can be included.
At Stewart Morrison Insurance, we are farm specialists. We understand farmers, because we have experience with farm operations and know your business. Our Farm packages are designed to offer the right coverage to protect you.
You may have an alternate business on your property. We can provide coverage for this. Examples of this are a mobile mechanic, carpenter or woodworker, maple syrup producer/retailer.
If you are hurt and you have to hire someone to do the chores, we can provide coverage for this. Limits available are $5000 or $10,000 for under $100 annually.