Our produce insurance covers:
- Grain, hay, straw, silage, feed and fodder (including ground feed and stock foods) and agricultural products
- Milk and honey
- Fruit and vegetables
- Herbicides, pesticides and commercial fertilizers
Tobacco and lumber are not considered produce for purposes of insurance. Contact your financial representative for more details on what we cover.
Choose the right protection for you
Select from our Fire and Lightning or Fire and Extended Perils coverage options.
| Coverage type | Fire and Lightning | Fire and Extended Perils |
|---|---|---|
| Fire or lightning | Included | Included |
| Explosions | Included | Included |
| Smoke | Not Included | Included |
| Windstorm, tornado or earthquake | Not Included | Included |
| Aircraft or vehicle impact | Not Included | Included |
| Riot, vandalism or malicious acts | Not Included | Included |
| Theft | Not Included | Included |
| Buildings, bridges or culvert collapse | Not Included | Included |
| Transportation accidents (collision, derailment, stranding or sinking) | Not Included | Included |
| Consequential Loss endorsement This extends coverage to produce that has been destroyed due to damage to the building containing the produce, or due to interruption of power to the insured farm property. |
Not Included | Optional |
| Milk Contamination endorsement This extends milk coverage to refrigerated milk that is ruined due to contamination from animal medications, cleaning solutions or the failure of the farmer or their employees to activate the bulk cooling tank. |
Optional | Optional |
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