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Farm insurance

Insure your farm with a company founded by farmers

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Farming isn’t like other business, so The Co-operators offers insurance plans specially designed to meet farmers' needs. It’s what you’d expect from a company founded by farmers. If you would like more information on any of our insurance products, just give us a call. Your local financial representatives will be happy to answer any questions you have about Farm insurance and give you a free, no-obligation quote. Our basic Farm policies offer coverage for:

  • Dwellings
  • Personal property
  • Farm structures
  • Machinery
  • Livestock
  • Produce
  • Poultry
  • Farmers general liability
  • Pollution liability protection

Your farm is your life’s work. Protect it with an insurance company that’s part of a co-operative, one that understands exactly what you need. Your local financial representative will help create an insurance plan that’s customized just for you.

Customized coverage

We believe in giving you many options, so you can build a plan specific to your situation without adding coverage you don’t need. We offer the following and more as options:

  • Comprehensive Water coverage
  • Replacement cost coverage
  • Sewer backup coverage
  • Loss of use of farm machinery
  • Power interruption
  • Loss of income protection (business interruption)
  • Increased fire department charges
  • Employer’s liability and voluntary compensation for farm employees (not available in all provinces)
  • Farm accident insurance
Farm assessments

We believe in taking the time to get to know you and your farm operation and find out exactly what coverage you need.

Your financial representative will come out to your farm to review your operation and your existing insurance coverage to make certain you get a policy that meets all your specific needs. We know that the needs of a large commercial farming operation are far different than those of a hobby farm, and that poultry or dairy farmers need different coverage than produce or hog farmers.

Our financial representative 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. They’ll also give you safety tips and suggestions to help keep you and your farm operation safe.

Free legal assistance helpline

Did you know, if you are a Co-operators Farm, Home and Commercial client, you can call 1-855-953-1431 from 8AM-12AM to speak to a lawyer on almost any topic related to Canadian law.

Get free legal advice
Proud sponsors of 4-H

Since 1913, 4-H has nurtured strong values such as citizenship, leadership, co-operation, responsibility, and independence in young Canadians. 4-H is a global movement that encourages rural youth to grow and learn through community service and the development of life skills.

4-H clubs focus on helping youth “Learn to Do by Doing” in a safe, inclusive, and fun environment. 4-H’ers learn new skills, whether it’s completing crafts, building websites, public speaking, building small engines, or learning about and raising animals. 4-H Canada believes in nurturing responsible, engaged, and confident leaders who are committed to positively impacting communities across Canada and around the world.

National volunteer leader of the year award

To recognize those 4-H leaders who help make their communities a better place, The Co-operators awards 10 provincial winners with a certificate and a $100 cash prize. From this group, a national winner is chosen in a lottery for the Grand Prize of $1,100 cash and a trip to the National 4-H Conference.

Nominate a 4-H leader in your community for co‑operators 4-H National Volunteer Award.

Related links

4-H Canada

Basics of farm insurance

Resource centre

Farm fire prevention – 7 ways to avoid costly losses

Why do we inspect your farm and property?

Not sure where to start?
Find a financial representative

For personalized solutions to fit your needs and budget, connect with a
Co-operators financial representative near you.