682794 Road 68, Thamesford, ON, Canada
Specialized Coverages Built for Cash Crop Risk
Cash crop operations experience significant seasonal fluctuations in inventory, equipment usage, and financial exposure. This specialized coverage includes features designed to respond to those realities.
Monthly Stock Reporting
Ensures crop inventory values remain accurately insured throughout the farming cycle by allowing regular updates as harvested stock changes.
Peak Season Coverage for Seasonal Fluctuations
Provides additional flexibility during harvest and storage peaks, helping ensure crops are not underinsured during high‑value periods.
Farm Tools and Parts Coverage
Includes coverage for farm tools and parts up to $10,000, recognizing the importance of maintaining and repairing essential equipment.
Replacement Cost Coverage on Qualifying Buildings
Ensures eligible buildings are insured on a replacement cost basis, protecting against depreciation following a covered loss.
Replacement Cost Coverage on Equipment (Under 5 Years Old)
Provides replacement cost protection for newer farming equipment, helping reduce financial strain when replacing critical machinery.
Non‑Owned Farm Equipment Coverage
Includes coverage for borrowed or rented equipment up to $25,000, reflecting the shared and temporary equipment commonly used during peak seasons.
Deductible Waiver for Large Claims
Your deductible may be waived for covered claims greater than $25,000 or five times your deductible, helping manage significant losses more effectively.
Blanket Coverage for Buildings, Equipment & Produce
Provides simplified protection through a single blanket limit covering your buildings, machinery, and crop inventory — reducing the risk of underinsurance.