Ontario Farming Insurance
Business insurance that provides benefits designed for the unique needs of farm owners in Ontario. Our insurance brokers will find you the right combination of coverage and price.
We know farms. And we know insurance.
Farming is more than a business, it's a way of life, and protecting it takes more than a standard insurance policy. At HMS Insurance, farm insurance is a big part of what we do, and we've built our expertise around understanding the unique risks Ontario farmers face.
From barns, outbuildings, machinery, livestock, crops, and equipment to your home and farm liability, we help put the right protection in place for the entire operation.
Built for Your Farm. No two farms are alike. A cash crop operation has different needs than a livestock farm, dairy operation, hobby farm, or mixed farm. Your insurance should reflect what you grow, raise, own, and operate.
At HMS Insurance, we understand farming because we insure farms. We know the questions to ask, the coverage to look for, and the details that can make a big difference when something goes wrong.
Whether you're running a large agricultural operation or a smaller family farm, we'll work with you to build coverage that makes sense for your operation.
Farming is what you do. Farm insurance is what we do. And we're pretty good at it.
Every farm is different, and so are the insurance policies
There are a lot of coverage options for farm insurance depending on your specific needs. Here’s a few of them:
General liability
Protects the farm against claims for bodily injury or property damage arising from farm operations, helping cover legal costs and potential settlements.
Homes and dwellings
Coverage for homes located on the farm, whether occupied by the farm owner or rented to third party tenants or workers.
Machinery
Protects valuable farm equipment and machinery, such as tractors, combines, balers, and other specialized equipment, against covered losses.
Pollution liability
Pollution liability insurance covers environmental damage caused by your livestock or farming process. It includes legal fees, fines, cleanup and more.
Outbuildings and barns
Coverage for farm structures such as barns, sheds, workshops, garages, and other outbuildings used in the operation.
Contents and tools
Protects the personal property, tools, household items, and other contents kept within insured buildings.
Livestock and animals
Coverage for eligible livestock against specified risks, helping protect a significant part of the farm's investment.
Produce or stock
Protects harvested crops and other farm products against covered losses while stored on the farm or in other insured locations.
What kind of farms do we cover?
Whether yours is a hobby farm or a commercial operation, farming requires large investments in time, labour, equipment, and buildings. Here are some of the agricultural operations we cover:
Poultry or egg farms
Dairy farms
Livestock or hog farms
Grain or cash crop farms
Vegetable farms
Orchards or wineries
Flower nurseries
On-site markets
Farm assessments
At HMS Insurance, we believe in taking the time to get to know you and your farm operation and find out exactly what coverage you require. One of our brokers will come out to your property to review your operation and make sure that your insurance is tailored specifically to your needs. We know that the needs of a large commercial farming operation are far different than those of a hobby farm, and that poultry farmers need different coverage than produce or hog farmers.
Our brokers know exactly what to look for, and will conduct a thorough review of your property to ensure that you are getting the quote for the insurance you need. It will also allow us to access the value of your buildings and entire operation. Give us a call to get a free no obligation quote.
Frequently asked questions about farm insurance
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Yes, farm insurance can include coverage for your primary farmhouse, seasonal residences, or rental dwellings located on the property, depending on the policy. It may also cover personal contents, detached structures, and certain additional living expenses following an insured loss. Your broker can help make sure your home is properly insured alongside the rest of your farm.
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Farm buildings such as barns, machine sheds, workshops, garages, and other outbuildings can be insured against covered risks. Coverage may include the structure itself and, where applicable, certain permanently installed equipment or contents. It's important to review building values regularly, especially as construction and repair costs change.
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Farm machinery and equipment can represent a significant investment. Coverage may be available for tractors, combines, implements, tools, and other farming equipment against insured losses such as fire, theft, or accidental damage, depending on the policy. We can help you determine what needs to be insured and whether specific equipment requires additional coverage.
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Coverage may be available for harvested crops, stored grain, hay, straw, and other farm produce against specified insured perils. Coverage for crops growing in the field will require separate agricultural insurance arrangements not sold through our brokerage. Your broker can help explain the difference between farm property coverage and specialized crop insurance.
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Farm liability insurance helps protect you against certain claims arising from your farming operations, including bodily injury or property damage involving visitors, customers, contractors, or members of the public. Depending on your activities, additional considerations may include agritourism, direct farm sales, custom work, and pollution liability. The right protection helps you focus on the farm instead of worrying about every possible mishap.
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Many farms have activities beyond traditional agriculture, such as farm-gate sales, farmers' markets, workshops, boarding horses, custom farming, or seasonal events. These activities may require additional coverage or specialized insurance. Business interruption coverage may also be available for certain insured losses that interrupt your farming operations. Tell us what you do—we'll help identify the coverage considerations.
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Farm insurance premiums depend on the size and type of operation, buildings, machinery, livestock, crops, location, claims history, and coverage limits. A small hobby farm and a large commercial farming operation will have very different insurance needs. At HMS Insurance, we understand agriculture and can help build a policy that protects your farm, your investment, and the work you've put into it.
Didn’t find what you were looking for?
Visit our claims page for additional details.