Policy Summaries
----- Automobile Insurance
----- Residential Insurance
----- Farm Insurance
----- -----Farm Insurance
---------- Farminsure Policy
---------- Loss of Farm Income
---------- Pegasus Policy
----- Business Insurance
How to file a claim
Safety Products

Farminsure is the "all risk" (except for livestock) policy for Ontario farms. It provides coverage for property of every description (single limit):

• Dairy
• Beef
• Horses
• Vegetable (including processing)
• Fruit (including pick-your-own)
• Cash Crops
• Mixed Farming

Qualifications

• Above average in quality and loss experience
• A working farm (100%)

Coverage

• "All Risk" (including snow load)
• Livestock is named perils with an option to purchace partial mortality coverage
• Farm Machinery
  • Waiver of Depreciation for 2 years from purchase new
  • Actual Cash Value
  • Loss of Use
  • Damage to Non-Owned Farm Machinery
• Loss of Farm Income
• Liability

Benefits of Property of Every Description Insurance

• There is no requirement to advise us mid-term of items sold or purchased; you only need to make sure that values in total meet co-insurance requirements
• It is simple to track individual items on the Statement of Values
• In the event of an insured loss, individual items are not limited by specific amounts of insurance (subject to co-insurance requirements)

Summary of Coverages

All Property Except Livestock

• "All Risk" Building and Contents (including snow load) - Replacement Cost
• Fire Department Charges
• Removal of Debris
• Exterior Wiring
• Pollution Coverage
• Lawns, Trees
• Jewellery
• Numismatic Property
• Manuscripts
• Silverware
• Bicycles
• Securities
• Money
• Watercraft
• Computer Software
• Credit/Debit Cards
• Counterfeit Money
• Safety Deposit Box
• Lock Replacement
• Freezer Contents
• Emergency Evacuation
• Students away from Home
• Incidental Business Property

Farm Machinery

• Loss of Use
• Non-Owned Farm Machinery
• Waiver of Depreciation

Livestock

• Named Perils
• Partial Mortality Coverage optional

Produce

Loss of Farm Income

• Option to increase base limit

Farm Liability

Farmer's Limited Pollution Liability