Additional Coverage

Maximize your farm’s protection with additional coverage. You can choose from a range of options to suit your farm’s unique needs:

Flex Guard™

Standard farm insurance allocates separate limits for each coverage type. So, if a claim exceeds the limit of one type, you may have to pay the excess out of pocket. But with Flex Guard, you can optimize your protection by combining coverage limits across four major coverage types: farm structure, machinery, livestock and produce. It’s a great way to build flexibility into your policy and take control over what you want to protect.




* Flex Guard may not apply to all types of claims. Each claims scenario is unique, payouts will be dependent on the claim circumstances, policy wording, coverage, limits, etc.


Replacement Cost Coverage

Get coverage for the full cost to repair or replace your property. There will be no deductions for depreciation, as long as it’s within your insured limit. This applies to personal items too.


Comprehensive Water Coverage

Covers your farm and belongings against sudden and accidental water damage, such as water, septic or sewer backups, flooding and storm surge.


Loss of use

Covers losses from interruptions to your farming business due to damage or destruction of insured property or buildings.


Power interruption

Protect your produce from building damage or due to a power outage.


Loss of income protection

Covers losses from interruptions to your farming business. This is due to damage or destruction of insured property or buildings.


Added coverage for fire department charges

Covers any fire department charges if they respond to a fire on your property. The base coverage is $10,000, but you can increase that with an endorsement.


Employer’s liability and voluntary compensation

This coverage is designed to provide benefits to employees or their dependents for accidental injury or death on the job.


Enviroguard™

We’ll cover an extra 10% of your claim, up to $50,000, to help repair or replace damaged dwellings and personal property with more sustainable options.


Farm Structure Equipment Breakdown

The Farm Equipment Breakdown insurance protects against mechanical, electrical and electronic breakdowns. It also covers direct damage caused by a breakdown to buildings, contents and machinery. All insured buildings related to the farm operation at that location are included in the coverage.