No matter how careful you are, it is impossible to prepare for every situation, especially on a farm. Whether your farm is a small hobby farm, or you’re in the large argi-business, the risks that come with farming can vary depending on the type. We’ve been working with farmers for over a century, so we know that farming is different for each of our customers, and the coverage needs to be too. With Cayuga Mutual, our agents can help you with your Ontario farm insurance and provide you with a reasonable farm insurance quote custom suited to your farming needs!

View a summary of our coverage below, or give us a call at 1-800-567-3381 for a FREE quote.

 

General Farm Insurance

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. Below is just a snapshot of what 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

Hobby Farm Insurance

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! Our hobby farm insurance 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

Poultry Insurance

Let your flock roam without worrying! We help protect your poultry flock and all of its surroundings with our Poultry Farm Policy. Whether its layers, broilers, or turkeys, we offer exceptional coverage, including Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank as well as the following:

  • 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

Dairy Farm Insurance

Did you know that 81% of all Canadian Dairy Farmers reside in Ontario and Quebec? Being an Ontario Mutual, we have years of experience with dairy farmers, and we understand that it can be a massive operation with your livelihood depending on these cattle. In order to give you peace of mind, we protect you, your farm and your animals with our dairy farm policy which includes:

  • 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

Beef Farm Insurance

From birth to market, today’s beef operations are more sophisticated than ever but don’t worry, our coverage is too! We offer you coverage for Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank as well as:

  • 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

Equine Farm Insurance

Equine farms can have a variety of things happening such as horse breeding, training and riding. Our Equine Farm policy at Cayuga Mutual offers you coverage for Tack; Accounts Receivable; Data Processing Equipment and Data Media; Loss of Use of Farm Machinery; Semen, Embryo and Tank as well as:

  • 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

Our Coverages

It is impossible to prepare for every situation that could go wrong on a farm because of the variety of farm types that you may deal with. However, our coverages can ensure that you have the protection that will protect your farm and your livelihood.

Farm Dwellings: Provides coverage for personal property, living expenses and personal effects.

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

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.

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

Livestock: Provides coverage options for the unexpected death of livestock or poultry.

Limited Pollution Liability: Provides coverage options that help to clean up damage caused by pollution.

Loss of Income: Provides coverage options that compensate you for net loss of business income following an insured loss.

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

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.

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Farmers are an integral part of ALL of our lives – Farmers feed our cities and provide our society with so much to keep us alive. Thank you farmers for the work that you do! At Cayuga Mutual, we promise to work as hard to protect your business as you work hard to protect our community.