Basic insurance coverage - Agricultural companies

We offer complete protection for the following:

• Civil Liability
• Agricultural Activities
• Home
• Personal Belongings
• Farm Buildings
• Farming Equipment
• Produce
• Machinery
• Animals
• Business Interruptions

Farm Buildings and Equipment

What we mean by building:

• Designated buildings
• Adjoining houses
• Equipment situated in the building
• Layout, stalls and drinking troughs
• Light fixtures, ventilation, air conditioning and heating (including combustible for heating)
• And, in general, the contents of any description – as long as it is a integrated part of the building and is used the building.

Please note that silos (except feed grain bins) are not part of this definition and must be insured separately.

Also, your insurance limit might be subject to a co-insurance clause.

What we mean by equipment situated in the building:

• All property situated inside or on the building and mentioned in the summary of protections
• All material permanently installed
• Fixed installations
• Furniture
• Supplies
• Accommodations
• Machinery
• Utensils
• Self-propelled devices and machinery used exclusively in the building
• Equipment contained in a silo adjacent to the insured building
• Account Books

Agricultural Instruments (self-propelled or not)

These instruments have the capacity, or not, to be given motion by means of a self-contained motor without being pushed or towed. They are used exclusively in the exploitation of the farm. Accessories and spare parts are included in this section.
It is important to check if you insurance limit is subject to a co-insurance clause.

Produce

This endorsement covers:

• Merchandise or products that you cultivate, sell, handle and distribute or those under your name including the packaging (excludes vehicles).
• All input products acquired from the outside to ensure functioning of the farm (fertilizer, amendment, growth stimulants or retardants, seeds, animal food, etc.)

It is important to check if you insurance limit is subject to a co-insurance clause.

Equipment Breakdown

This insurance covers, amongst others:

• Material damage done to the property of the insured as well as others for which the insured is responsible.
• Additional costs due to temporary repairs, water damage resulting from the breakage of the insured equipment and ammonia contamination.

Agricultural machinery and tillage tools are not included in this endorsement.

Loss of Revenue

This endorsement allows compensation for:

• Lost Benefits
• Extra expenses due to rental of a building, instruments and agricultural machinery to maintain normal operations.

Animals

This endorsement covers all animals mentioned in the summary of protections included in your insurance policy.

The risks generally covered are:

• Fire
• Lightning
• Wind
• Explosion
• Smoke
• Hail
• Collapsing of a building
• Aircraft impact
• Collision between an animal and a vehicle
• Civil disorder
• Civil agitations
• Robbery
• Electrocution
• Falling objects
• Transport
• Earthquake
• Flooding
• Strangulation

IMPORTANT: You must never change the location of a deceased animal. If this occurs, please contact us as soon as possible.

Pollution Risk

This protection is only included if mentioned in the summary of protections. The insurer will compensate the damage caused by pollution only if the event is sudden and accidental. The endorsement covers pollution caused by emission, waste, exhaust or scattering of solid, liquid or gas substances in the atmosphere, water or water conducts, sewage or drainage systems.

Protection Against Contaminated Milk

We can protect you against damage inflicted to others by the adulteration of the milk caused by the presence of detergents, chemical products or other substances or in the event that the milk would contain an antiseptic or antibiotic.

It is essential to test the milk according to the standards of the Fédération des producteurs de lait du Québec in order to obtain any compensation.

Civil Liability for Agricultural Producers

This protects you against physical injury or material damage cause to others. By law or by the third party liability you have taken responsibility for by virtue of a written convention concerning the insured property, you are responsible for this.

Additional Third Party Liability Insurance (Umbrella)

This endorsement allows you to be protected against major incidents by offering additional insurance coverage to your underlying contract and cover the risks it does not include. To learn more about this product, visit our Umbrella corporate section.

Car Insurance for Agricultural Producers

This covers all vehicles used in the course of daily farming activities.

Don’t wait any longer! Contact one of our advisers and protect yourself in the practice of your profession.