682794 Road 68, Thamesford, ON, Canada
Built‑In Coverage That Works for Real Farm Risks
BizFarm Coverage includes a strong foundation of protection, tailored to the needs of smaller agricultural operations:
All‑Risk Coverage for Your Home
Protects your farmhouse against a wide range of covered perils, providing peace of mind where you live and work.
Business Interruption Coverage
Helps replace lost farm income following an insured loss, allowing you to recover while operations are temporarily disrupted.
Equipment Breakdown Coverage
Provides protection for sudden and accidental breakdown of essential farm equipment and systems, helping reduce repair and replacement costs.
Replacement Cost Coverage on Buildings
Ensures farm buildings are insured based on replacement cost, not depreciated value, helping you rebuild without unexpected shortfalls.
Replacement Cost Coverage on Equipment (Under 5 Years Old)
Offers replacement cost protection for newer farm equipment, helping you replace essential tools without depreciation deductions.
Non‑Owned Farm Equipment Coverage
Includes coverage for borrowed or rented farm equipment up to $100,000, recognizing that many small farms rely on shared or temporary equipment.
Deductible Waiver for Large Claims
Your deductible may be waived for covered claims exceeding $25,000 or five times your deductible, helping reduce out‑of‑pocket costs during major losses.
Flexible Coverage That Can Grow With You
Farming operations are rarely static. New equipment, increased production, expanded livestock, or diversification can all change your insurance needs. BizFarm Coverage is designed to adapt — giving you a solid starting point today, with room to grow tomorrow.
As your operation expands, we’ll work with you to adjust coverage limits, add protections, or transition to a broader farm insurance solution when needed.
