Ontario is home to thousands of farms, and in the autumn harvesting season, we see many more farm vehicles on roads and around our communities. As a farmer, Cayuga Mutual’s farm insurance gives you some peace of mind over your livelihood, providing protection that focuses on the different challenges unique to your farm. 


Do Tractors Need Insurance? 

Let’s start with a question we often get, which is, “Do tractors need insurance in Ontario?”. Per the Compulsory Automobile Insurance Act, tractors and other self-propelled farm equipment are not required to be covered by insurance. It’s important to note that while it’s not mandatory, it’s a sound choice; when your tractor or farm equipment is not insured you could be on the hook for losses resulting from unexpected incidents.  


Farm Equipment Insurance Overview 

While specific coverage varies by insurer, typical coverage includes theft, vandalism, physical damage coverage (damage to the machinery), coverage for attachments (augers, plows), as well as custom options. Our mobile machinery farm equipment coverage provides options to protect your agri-business from the impact of damage to equipment. Liability and other coverages for your farm equipment are included in your farm insurance policy.  

Our farm policies also cover: 

  • Farm Dwellings 
  • Outbuildings 
  • Livestock 
  • Loss of Income 
  • Consequential Loss
  • Produce 
  • Limited Pollution Liability 
  • Farm Liability 


What Does Machinery Breakdown Insurance Cover? 

Machinery breakdowns can wreak havoc on farm operations, especially during the harvesting season. Like all insurance policies, the specific coverages can vary but this type of insurance typically protects farmers from financial losses associated with the sudden and accidental breakdown of critical farm machinery and equipment. Losses incurred from theft or vandalism are also included.  


Driving Safely – We’re in it together.    

When it comes to a farming community, we’re all in it together. We’d be lying if we said that getting stuck behind a slow-moving tractor was an enjoyable experience. At the end of the day, nothing is more important than ensuring the safety of every vehicle on the road, and we can all do our part to keep our farmers and rural communities safer.    

Farm vehicles weren’t built for speed, let alone driving on public roads. In fact, all vehicles displaying a Slow-Moving Vehicle (SMV) sign are forbidden from driving above 40 km/h. What does that mean? Be patient. Their goal isn’t to ruin your day by slowing you down; it’s to ensure everybody’s safety while they do the important task of feeding our communities. Driving aggressively or becoming impatient only puts yourself and the person operating the farming equipment at risk.   


If you’re looking for information on insuring a specific farm vehicle or piece of machinery, contact one of our helpful agents. We can tailor your policy to provide the coverage you need while helping you save money along the way. Select your products, choose your coverages, and get your discounts – it’s that easy! Call us toll-free at 800-567-3381 today.