Farm Insurance
Farm Insurance can cover your dwelling AND your agricultural business.
Insurance for Farms: Protection Rooted in Trust
Farming isn’t just your job, it’s your way of life. It’s early mornings and late nights, and a commitment to all the things that depend on you: the land, your animals, and your people. Whether you run a small family farm or a larger commercial operation, protecting your farm means protecting your livelihood and your legacy.
V.B. Insurance Brokers farm insurance policies aren’t one-size-fits-all. We take the time to walk with you (literally, if needed), to understand how you operate, and build a plan that suits your needs—plain and simple.
St. Paul Farm Insurance
You can’t control the weather, and you can’t control when a machine breaks down. But you can control how you recover from events that would otherwise be a detriment to your farm. Having the right farm insurance means you don’t have to face the worst-case scenarios alone. Instead of starting over, you’d be able to rebuild. If things were to go wrong, you’d have a team in your corner who understands your needs.
V.B. Insurance Brokers are that team! You work hard to care for your land and your livestock, and we’re here to help you protect it all. Being a small but powerful team, we have the knowledge and resources to provide sufficient policies for your needs with the personal touch you will love to have from your insurance company.
Farm Homeowners Insurance
Your farm is your home, too. Farm Homeowners Insurance protects your farmhouse AND personal property from risks like fire, theft, or liability claims. At V.B. Insurance Brokers, we’ll treat your farmhouse the same way we would treat any homeowner’s policy, but with added care for rural life.
Outbuildings (and the Contents Within)
Your buildings play a vital role in your farming operations, and they’re probably expensive to repair or replace. We’ll make sure your insurance policy can protect all your important structures and their contents, based on their use, condition, and value. We’ll also help you make sure that nothing goes unaccounted for, so you can rest assured that your coverage is working.
Equipment and Tools
Farming equipment and tools may be some of your most valuable assets. Whether you use a combine, tractor, skid steer, or welder, we offer coverage options to help you repair or replace your essential equipment if it’s damaged or destroyed by covered events. You rely on your gear, and we’ll help you keep it running.
Livestock Coverage
Your animals ARE the farm. At V.B. Insurance Brokers, we offer protection for livestock in case of loss due to fire, transport accidents, or other specific perils. It’s important that if you raise cattle, sheep, or other animals, that you have a plan in place that protects them, and your peace of mind.
Farm Liability Insurance
We want to make sure your farm is covered in case someone is injured on your property or claims your farm caused them damage or harm. Farm liability coverage protects you from lawsuits and medical bills, and also covers things like hired help or visitors who might stop by to see the farm.
Hay, Straw, Feed and Stored grain coverage
Need coverage for animal feed, fertilizer, chemical, bales or stored seed? We got you. Coverage is available anywhere on the lands owned or farmed by you. Protection against fire, explosion, lightning, transport accidents and other specific perils are available.
Farm Insurance FAQ
Frequently asked questions about Alberta Farm Insurance
What type(s) of insurance do farm owners usually need?
The specific coverage provided by farm insurance policies can vary depending on the insurance company and the policy itself. However, most farm insurance policies cover the following areas:
- Property Damage – This includes damage to buildings, equipment, and other property on the farm.
- Liability – This covers damages or injuries that occur on the farm, such as someone getting injured on your property.
- Livestock – This covers losses due to injury or death of livestock.
- Feed – Insured against loss or damage caused by fire, lightning or explosion of natural, coal or manufactured gas.
- Business Interruption – This covers losses due to interruption of farming operations due to unforeseen events such as natural disasters.
- Equipment Breakdown – This covers repairs or replacement of farm equipment in case of breakdowns.
What’s the difference between farm insurance and home insurance?
Homeowners insurance– Home and possessions, Personal liability coverage,Outbuildings and structures (limited to size and use),Building materials and supplies (possibly)
Farm insurance– Home and possessions, Personal liability coverage,Outbuildings and structures, Building materials and supplies, Farm machinery and equipment, Livestock, Farm products, Farm liability coverage, Farm product liability coverage,Fences and corrals, and more.
Does farm insurance cover my residence AND my land?
If you farm on land that is not adjacent to your home or farm and ranch operation, your insurance company can include that for purposes of liability coverage.
Can I insure my livestock and farm animals?
Yes, but coverage varies depending on the company.
What equipment, machinery, and tools can be insured on my farm?
All farm equipment can be added to the policy, as well as tools. Some commercial machinery can also be added if used for personal use only.
Are outbuildings like barns or sheds included in my policy?
No, these structures must be added to the policy under outbuildings and contents.
Does insurance cover my crops if I lose them to weather or pests?
Coverage varies by company, but can be insured for the following:
- Feed(hay, straw, stacked feed and commercial feed supplements) can be covered for fire, lightning or explosion of natural, coal or manufactured gas.
- Stored grain can be covered for fire, lightning, transportation loss, theft, cyclone, tornado and windstorm.
- Standing crop can be covered for fire only.
Do I need liability insurance for my farm?
Liability insurance is not required by law, but Liability insurance covers legal expenses and damages if someone is injured or their property is damaged on your farm due to your farming activities.
Is farm insurance required by law?
No, farm insurance is not required by law.
Get the Right Insurance for Your Farm
Let’s sit down and talk about your farm. First we’ll listen, second we’ll build a plan that works for you.