Farm
Insurance

Working your farm is hard enough so our agents will find you the right products to give you peace of mind. After all, we've been working with farmers since 1875.

Farm Insurance

Working your farm is hard enough so our agents will find you the right products to give you peace of mind.

After all, we’ve been working with farmers since 1875.

Request a Quote

With a professional agent by your side,
It's as easy as 1, 2, 3.

Step 1

Select the Right Policy

Just as a farm is very different from a factory, so is a pig farm very different from a produce farm. These differences can be protected with specific coverage options added to your farm insurance policy.

Farm

From small family farms to large agri-businesses, from goats to cash crops, our innovative products and coverage can be customized to meet your exact needs.

Your Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Farm Liability

Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Dairy Farm

Your dairy cattle operation is more than a livelihood, it’s your life, get the coverage you need.

Your Dairy Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Milk contamination
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Emergency Vet Coverage
  • Farm Liability

Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Hobby Farm

If you farm for pleasure, this product has all the benefits of a residential policy, plus farm liability and other essential farm coverage to meet your specific needs.

Your Hobby Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Farm Liability

Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Equine Farm

Protection for a wide range of horse farm operations such as horse breeding, training and riding academies.

Your Equine Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Farm Liability

In addition to these coverage options we offer coverage for Tack; Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank. Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Poultry Farm

Whether its Layers, Broilers or Turkeys you have great options for superior protection for your poultry flock.

Your Poultry Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures).
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Heat Prostration
  • Business Interruption Loss of Income
  • Farm Liability

In addition to these coverage options we offer coverage for Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank. Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Beef Farm

Today’s beef operations are more sophisticated than ever. That’s why you need the added features we’ve tailored to your specific needs.

Your Beef Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures).
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Farm Liability

In addition to these coverage options we offer coverage for Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank. Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Step 2

Choose the Right Coverage

No matter how careful you are, it is impossible to prepare for every situation, especially on a farm. Livestock and plants can sicken and die, animals can escape and wander off. Not to mention the host of problems temperamental weather can bring. With so much of your operation dependent on things out of your control, farm insurance gives you some peace of mind over your livelihood, providing protection that focuses on the different challenges unique to your farm.

Farm Dwellings

Provides coverage for personal property, living expenses and personal effects.

Outbuildings

Provides coverage options against such perils as fire, lightning and explosion. In addition, there are multiple ways to customize and enhance coverage for your specific situation.

Livestock

Provides coverage options for unexpected death of livestock or poultry.

Loss of Income

Provides coverage options that compensates you for net loss of business income following an insured loss.

Consequential Loss

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.

Produce

Provides coverage options for spoilage resulting from electrical or mechanical breakdown. In addition, special coverage is available for Milk Contamination and Consequential Loss.

Mobile Machinery

Provides coverage options to protect your agri-business from the impact of damage to equipment.

Limited Pollution Liability

Provides coverage options that helps to clean up damage caused by pollution.

Farm Liability

Provides coverage options if visitors are harmed on your property, or if their property is damaged because of your farm operations.

Step 3

Get the Right Discounts

Depending on your policy, you could be eligible to save more. Your professional agents will find the most savings while helping you get the right coverage.

Claims Free

Your Claims Free Discount rewards you for no claims in the past three years.

Monitored Alarm

Your Monitored Alarm Discount rewards you for the installation of a professionally monitored alarm system.

Automatic Generator

Your Automatic Generator Discount rewards you for the installation of an automatic generator.

Automatic Generator

Your Automatic Generator Discount rewards you for the installation of an automatic generator.

Multi-Policy

Your Multi-Policy Discount rewards you for insuring both your farm and automobile with us.

New Home

Your New Home Discount applies to your single family, owner-occupied home built within ten years of the effective date of your new policy.

Prestige Home

Your Prestige Home Discount applies to your single family, owner-occupied home built within six years of the effective date of your new policy. In addition, your home must meet certain criteria as set out by our loss prevention department.

Step 1

Select Your
Product

Farm

Hobby Farm

Dairy

Poultry

Equine

Step 2

Choose Your
Coverage

Outbuildings

Livestock

Machinery & Equipment

Seed, Produce and Feed

Pesticides and Fertilizer

Commercial Liability

Business Interruption

Computer Hardware

UAVs and Drones

Solar Panels

Step 3

Get Your
Discounts

Loyalty

Claim Free

Multi-Policy

Our Products

Just as a farm is very different from a factory, so is a pig farm very different from a produce farm. These differences can be protected with specific coverage options added to your farm insurance policy.

Farm

From small family farms to large agri-businesses, from goats to cash crops, our innovative products and coverage can be customized to meet your exact needs.

Your Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Farm Liability

Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Dairy Farm

Your dairy cattle operation is more than a livelihood, it’s your life, get the coverage you need.

Your Dairy Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Milk contamination
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Emergency Vet Coverage
  • Farm Liability

Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Hobby Farm

If you farm for pleasure, this product has all the benefits of a residential policy, plus farm liability and other essential farm coverage to meet your specific needs.

Your Hobby Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Farm Liability

Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Beef Farm

Today’s beef operations are more sophisticated than ever. That’s why you need the added features we’ve tailored to your specific needs.

Your Beef Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures).
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Farm Liability

In addition to these coverage options we offer coverage for Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank. Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Poultry Farm

Whether its Layers, Broilers or Turkeys you have great options for superior protection for your poultry flock.

Your Poultry Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures).
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Heat Prostration
  • Business Interruption Loss of Income
  • Farm Liability

In addition to these coverage options we offer coverage for Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank. Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Equine Farm

Protection for a wide range of horse farm operations such as horse breeding, training and riding academies.

Your Equine Farm Policy covers:

  • Farm Dwellings (including personal property, additional living expenses and detached private structures.)
  • Outbuildings
  • Livestock and Produce
  • Machinery and Equipment
  • Limited Pollution Liability
  • Business Interruption Loss of Income
  • Farm Liability

In addition to these coverage options we offer coverage for Tack; Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank. Get the coverage you need from a professional you trust.

Request a no-obligation quote today.

Our Coverages

No matter how careful you are, it is impossible to prepare for every situation, especially on a farm. Livestock and plants can sicken and die, animals can escape and wander off. Not to mention the host of problems temperamental weather can bring. With so much of your operation dependent on things out of your control, farm insurance gives you some peace of mind over your livelihood, providing protection that focuses on the different challenges unique to your farm.

Farm Dwellings

Provides coverage for personal property, living expenses and personal effects.

Outbuildings

Provides coverage options against such perils as fire, lightning and explosion. In addition, there are multiple ways to customize and enhance coverage for your specific situation.

Livestock

Provides coverage options for unexpected death of livestock or poultry.

Loss of Income

Provides coverage options that compensates you for net loss of business income following an insured loss.

Consequential Loss

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.

Produce

Provides coverage options for spoilage resulting from electrical or mechanical breakdown. In addition, special coverage is available for Milk Contamination and Consequential Loss.

Mobile Machinery

Provides coverage options to protect your agri-business from the impact of damage to equipment.

Limited Pollution Liability

Provides coverage options that helps to clean up damage caused by pollution.

Farm Liability

Provides coverage options if visitors are harmed on your property, or if their property is damaged because of your farm operations.

Our Discounts

Depending on your policy, you could be eligible to save more. Your professional agents will find the most savings while helping you get the right coverage.

Claims Free

Your Claims Free Discount rewards you for no claims in the past three years.

Monitored Alarm

Your Monitored Alarm Discount rewards you for the installation of a professionally monitored alarm system.

Automatic Generator

Your Automatic Generator Discount rewards you for the installation of an automatic generator.

Multi-Policy

Your Multi-Policy Discount rewards you for insuring both your farm and automobile with us.

New Home

Your New Home Discount applies to your single family, owner-occupied home built within ten years of the effective date of your new policy.

Prestige Home

Your Prestige Home Discount applies to your single family, owner-occupied home built within six years of the effective date of your new policy. In addition, your home must meet certain criteria as set out by our loss prevention department.

Discover the Cayuga Mutual difference today.

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Address & Business Hours

23 King Street West
Cayuga, ON N0A 1E0
Monday, Tuesday, Thursday and Friday
8:30 AM to 4:30 PM
Wednesday
8:30 AM to 6:00 PM
Excluding Statutory Holidays

Telephone Numbers

Local: (905) 772-5498
Toll Free: (800) 567-3381
Fax: (905) 772-3921

Claims (During Business Hours)
Local: (905) 772-5498
Toll Free: (800) 567-3381

Claims (Outside of Business Hours)
Toll Free: (866) 410-1226