Liability and accident insurance

Farm liability coverage

Liability insurance provides coverage if visitors are harmed on your property, or if their property is damaged because of your farm operations. Our General Farm Liability insurance includes:

• Medical payments for injured persons, even if you are not legally responsible
• Accidental damage caused by you
• Legal defence costs
• Legal liability from personal actions anywhere in the world
• Coverage for legal liability arising from ownership, use, or occupancy of the farm, including the dwelling
• Liability arising from normal farming operations
• Liability from property damage to rented residences or farm outbuilding
• Pesticide application liability

Optional liability coverages

Animal show, plowing matches and fairs

Cover your livestock when you take them to 4-H shows, plowing matches, or fairs.

Building construction liability

This is for farmers who act as their own contractors when building new structures or doing repairs to existing buildings on their farms. It covers you if you want to conduct any kind of construction on the premises, and compensation for bodily injury of any of your employees.

Farmer’s market liability

In the busy, crowded environment of a farmer's market, accidents can happen. Someone may slip on a stray apple, or have a surprise allergic reaction to one of your products. Unfortunately, these kinds of accidents sometimes result in lawsuits against the vendor. Liability insurance is a way of protecting your business.

Agritourism activities

Do you offer hay or sleigh rides for younger visitors to your farm, or run a maple sugar bush? Cover your liability with this insurance for these tourism-related activities.

Limited pollution liability coverage

This coverage helps to clean up damage caused by pollution. Learn about pollution insurance.

Farm accident insurance

Will your family’s immediate financial needs be provided for if you are temporarily out of work due to an injury, or if you pass away? Our farm accident Insurance will have you covered.* It includes:

Accidental death or dismemberment

The maximum benefit for loss of life ranges from $10,000 to $40,000. Payment for dismemberment ranges from $3,500 to $50,000, depending on the severity of the injury.

Fractures, dislocations and miscellaneous injuries

Coverage ranges from $100 to $270, depending on the type of injury.

Accidental dental damage

Our program covers from $225 to $450, depending on the number of teeth damaged.

Funeral expense benefit

This benefit pays from $500 to $5,000, depending on the coverage purchased and length of time it has been in force.

Extended expense benefit

Up to $450 is available for specified medical expenses occurring within 30 days of the accident.

Monthly indemnity

If this applies, we will pay up to $1,200 per month for a maximum period of four months.

Family member coverage

With this optional coverage, your immediate family is protected with many of the same benefits you have.

*Available in all provinces, except for Quebec.