682794 Road 68, Thamesford, ON, Canada
Specialized Coverages Built for Grain Elevator Risk
Grain elevator operations require insurance that responds to changing inventory levels, equipment intensity, and high‑value stock. This program includes coverage designed specifically for those risks.
Monthly Stock Reporting
Allows grain values and inventory levels to be reported regularly, ensuring coverage accurately reflects the amount of grain on hand throughout the year.
Peak Season Coverage for Seasonal Fluctuations
Provides flexibility to accommodate higher grain volumes during harvest and peak storage periods without underinsuring your operation.
Farm Tools and Parts Coverage
Includes coverage for farm tools and parts up to $10,000, recognizing the critical role these items play in day‑to‑day operations.
Replacement Cost Coverage on Qualifying Buildings
Ensures eligible grain storage buildings and structures are insured on a replacement cost basis, helping you rebuild without depreciation reducing your claim.
Replacement Cost Coverage on Equipment (Under 5 Years Old)
Provides replacement cost protection for newer grain‑handling equipment, reducing out‑of‑pocket costs following a covered loss.
Non‑Owned Farm Equipment Coverage
Includes coverage for borrowed or rented farm equipment up to $25,000, acknowledging the operational realities of many grain facilities.
Deductible Waiver for Large Claims
Your deductible may be waived for covered claims greater than $25,000 or five times your deductible, providing financial relief during major losses.
Blanket Coverage for Buildings, Equipment & Produce
Offers simplified, flexible coverage by applying a single blanket limit across buildings, equipment, and stored grain, reducing the risk of underinsurance.
Commercial General Liability
Protects against third‑party bodily injury and property damage claims arising from your grain handling operations, premises, and business activities.
Coverage That Works With Your Operation — Not Against It
Grain handling operations are dynamic. Storage volumes change monthly, equipment is capital‑intensive, and exposure shifts dramatically during harvest season. This coverage is designed to adjust alongside your operation rather than restrict it.
As your facility expands or your storage and handling capacity increases, we work with you to ensure your insurance continues to reflect your true exposure.
