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Farm Liability Insurance Products

Compare 8 products offered for Farm Liability Insurance from 8 companies including U-SURE Insurance Services Ltd, Towergate Insurance, and RenaissanceRe.

Our Farm Insurance Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading insurance providers. If you have questions, our Frequently Asked Questions can help you learn more about this insurance type below.

Compare Farm Liability Insurance Policies

Products 1 to 8 of 8
Product name Max Coverage Min Premium Exclusions
Farming by Islands Insurance Max Coverage N/A Min Premium N/A

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Aquaculture by AXA XL Max Coverage US$16M Min Premium US$10K

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Re: Agriculture by Navigators Max Coverage N/A Min Premium N/A

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Crop Reinsurance by AEGIS Managing Agency Ltd Max Coverage N/A Min Premium N/A

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Liability for Landowners by U-SURE Insurance Services Ltd Max Coverage GBP2M Min Premium N/A

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Farm by Towergate Insurance Max Coverage N/A Min Premium N/A

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Agriculture by RenaissanceRe Max Coverage US$20M Min Premium N/A

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Agriculture by White Oak Underwriting Agency Ltd Max Coverage N/A Min Premium N/A

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Frequently Asked Questions

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What Is Farm Liability Insurance?

Farm Liability (or Agricultural Liability) is insurance for farming businesses that provides coverage for the unique risks associated with rural business operations, farming buildings, farming property, farming machinery, animals and people working on or visiting farmland. If an accident occurs on a piece of farmland or a piece of property is damaged because of farming operations then the property owner can be responsible. As farming operations can be quite technical and dangerous, it is important to make sure that all aspects of the operation are covered properly in case of accident or breakdown.

Who Needs Farm Liability Insurance?

Anyone managing farming operations or owns farmland needs farm liability insurance. Whether someone has a small holding of a few animals or operates a large farming business, appropriate coverage needs to be taken. Many of the different types of farm with unique operations and risks include:
  • Animal farm or Livestock farm: The raising of animals for breeding or sport such as dogs, horses (equestrian farming), cattle or livestock.
  • Commercial farm: A business primarily concerned with the growing and selling of produce for commercial gain.
  • Crop farm: Farms that grow fruit, vegetables and grain.
  • Dairy farms Farming operations using dairy cows, sheep or goats for producing milk and other dairy products.
  • Diversified farm or Subsistence farm: Self-sufficient farming where five or six different crops are grown.
  • Dry and Irrigated farm: Farming in areas where rainfall is deficient and there is no assured source of artificial irrigation.
  • Fish farm or Aquaculture: The raising of large quantities of fish in large tanks.
  • Hobby farms: A small-scale farm intended for personal use, such as an allotment.
  • Meat farms: The breeding of animals specifically for slaughter in an abattoir for consumption. Can also be known as cattle farms or pig farms.
  • Poultry farms: The farming of chicken and turkey for consumption as well as eggs for egg farms.
  • Ranch: The grazing of animals on public land where some animals are raised as livestock.
  • Specialized farm: A farm focused on the raising one, two or three specific type of crop or cattle for profit.

What Does Farm Liability Insurance Cover?

While there are general farming and agricultural liability products available, it may be more appropriate to use a product that specifically caters to the type of farming business in operation.

If the farming business is primarily concerned with the breeding and upkeep of animals then a product focused on animal liability would be more appropriate.

Likewise, if it is a commercial farm concerned with produce and the machinery required to operate the business then a commercial general liability focused product may be more appropriate. Some of the more specific risk areas particular to rural operations include:

  • Premises Liability: This applies to anyone who either rents out or owns a farm and farmland. As well as any fields or land, premises liability can include farm property, farm buildings (such as sheds, barns, pens and storage houses) and dwellings.
  • Operations Liability: If there is the risk of an injury or property damage caused by farming operations then a commercial general liability option needs to be considered.
  • Animal Liability: The health and mortality of animals can be crucial to the running of the farm whether they are used for breeding, slaughter or farming operations. Farm animals such as cows, oxen, horses, dogs, chicken, pigs, sheep and goats all have their own unique risks and need to be covered appropriately.
  • Machinery and Equipment Breakdown: Farming requires essential equipment that if broken can halt operations, potentially resulting in a financial loss. Machinery such as tractors, ploughs, harvesters, power tools, agricultural machinery, sprays, produce sorters, irrigations systems, milking machines, etc can be crucial for business. Therefore coverage is essential in not just keeping them maintained but also for emergency repairs.
  • Product Liability: Commercial farms rely on the quality of their output, whether it is from crops, dairy products, meat or other produce. In the event of a quality issue or product recall, cover for the costs incurred needs to be taken.
  • Pollution Liability: Incidents such as fuel spills, chemical spills, dust and other pollutants can occur on a farm, causing property damage and an interruption to business operations. An environmental inclusion will provide for any bodily injury, damage or clean-up costs.

What Is Farmers Personal Liability?

Not all farming operations are the main occupations of farmland owners or even the main residence of those who work on it. Farmers Personal Liability provides legal liability coverage for risks that occur around the farm, such as employee actions, wandering livestock and dog bites. This can also be extended to Employers Liability to include any employees of the farm.

Are There Any Farm Liability Exclusions?

As with any insurance policy there are areas that are generally excluded. It is always advisable to check the exact policy wording to see what is included or not included. However general exclusions that are typical to farm liability products are:
  • Types of fencing or wiring
  • Certain types of farm peril
  • Farm machinery and equipment not maintained
  • Negligence

How Much Does Farm Liability Insurance Cost?

The cost, as well as the coverage available, will change depending on the size of the farm and the associated operations. A larger business will need more coverage due to the number of operations, employees and equipment used than something like a local egg farm. The cost of the coverage will depend on whether you require cover for things such as:

  • business interruption
  • loss of earnings
  • workers’ compensation
  • machinery and equipment
  • produce