Farm insurance, or agricultural insurance, is a comprehensive package designed for agrarian businesses, buildings, tools, and output. This policy protects farm machinery, equipment, livestock, buildings, profits, and produce under one umbrella.
Coverage Includes:
Property Cover: Protects farm buildings, produce, deadstock, and machinery; includes home buildings and contents, and let properties.
Liability Coverage: Employers, public, and product liability.
Diversification: Coverage for non-traditional farm activities.
Legal Protection: Legal expenses, professional liability, and directors’ and officers’ liability.
Environmental Protection: Covers accidental pollution.
Loss of Revenue: Protects against income loss.
Transit Coverage: Includes livestock and goods in transit.
Income Protection: Ensures financial stability.
Specialist All-Risks Cover: Includes electronic equipment, computers, farm animal milking and feeding systems, and farm animal semen.
Milk Contamination: Covers uncollected milk due to adverse weather and antibiotic contamination.
Working Farms and Smallholdings
Tailored coverage for farm machinery, produce, deadstock, or farm buildings. Livestock farmers are protected against risks like stray animal loss, theft, transit issues, mysterious disappearance, electrocution, and fire.
Diversification and Personal Insurance
Modern farms in Ontario often diversify beyond traditional activities. Agricultural insurance can cover livery yards, farm shops, shooting, camping, agricultural contracting, renewable energy, wind turbines, B&Bs, holiday lets, commercial property, and even drones.
Accidental Pollution: Includes protection against accidental environmental pollution.
Your farm is not just a business; it’s your home, security, and way of life. Direct 2U Insurance understands the significance of your farm and the dedication you put into it, making protection a top priority. Connect with us to thoroughly evaluate your farm insurance needs in California.
