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


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


  • “All Risk” (including snow load)
  • Livestock is named perils with an option to purchase 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
  • Jewelry
  • 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


  • Named Perils
  • Partial Mortality Coverage optional


Loss of Farm Income

  • Option to increase base limit

Farm Liability

Farmer’s Limited Pollution Liability

This page contains general descriptions only. The exact provisions, terms and conditions of the policy apply in all instances.