Below are some common farm liability exposures farmers may want to discuss with a farm insurance expert.

• Third-party bodily injury or third-party property damage on your farm property
• Animals escaping, animal bites
• Public access to animals
• Slow-moving farm machinery on the road
• Custom farming, drying, and spraying for others
• Boarding of someone else’s animals
• Pollution discharge
• Storing other’s boats, travel trailers, vehicles
• Farm locations you own or rent
• Pick-your-own activities 
• Roadside stands
• Showing animals at fairs or exhibitions
• Agri-tourism activities such as hayrides or similar events

There is no minimum or maximum number of acres required for farm insurance.  If you have farm operations – large or small – you need farm insurance. If you have multiple farm locations, each location needs to be listed on your farm insurance policy and liability extended to each. 

Farm insurance is an insurance product with specialized coverage for farm owners or individuals who are farming. It protects a farm's assets, including farm buildings, farm machinery and equipment, livestock, produce, liability and more.

If you own a farm, having farm insurance is essential. Having the proper farm insurance coverage in place will give you peace of mind knowing your farm is properly protected in the event of a loss. If you didn't have farm insurance and experienced a loss, you could be left without the buildings or necessary equipment to operate your farm, you could be left to defend yourself against a lawsuit, or you could be left having to pay out-of-pocket expenses to get your farm back up and running. With the proper farm insurance policy, you could get back to operating as soon as possible after a loss to help minimize financial losses. It is also important to note that if you attend farmers markets to sell your farm products, the market may require proof of insurance.

Morison Insurance specializes in a wide range of agriculture insurance, including:

• General Farm Insurance: This protects all types and sizes of farms against insured losses to their home, farm buildings, farm equipment, machinery, liability, and more. 
• Produce Insurance: This provides coverage for harvested crops, seed, feed, fertilizers, herbicides and pesticides, milk, fruit, vegetables, or any agricultural product of the soil. Produce insurance can also include spoilage of refrigerated produce and packaging, wrapping, and advertising materials for use with harvested produce.  
• Farm Equipment Insurance (tractors, combines, implements, equipment, and tools): This protects in case of direct physical damage such as fire or theft of farm machinery and can include valuable GPS navigation units mounted inside tractors and combines. 
• Livestock Insurance: This protects farm animals such as cattle, sheep, goats, swine, poultry, rabbits, mink, horses, or others against perils such as fire, falling objects, or theft.  Optional coverages are also available for risks such as heat prostration.
• Dairy Farm Insurance: This protection is for both dairy cow and dairy goat operations.  It protects buildings, machinery and equipment, livestock, and loss of income for your dairy operation.
• Crop Insurance: This is protection against direct physical damage to harvested crops. 
• Greenhouse Insurance: Coverage for greenhouses used for farming operations protects the greenhouse when an insured peril causes physical damage. Optional snow load coverage is available for physical damage caused by the weight of ice and snow. 
• Hobby Farm Insurance: Hobby farm insurance is protection for smaller farms with a limited amount of acreage and livestock where farming is not your primary source of income. Coverage can be included for farm buildings, equipment, produce, and livestock. 
• Cash Crop Farm: This protection is for cash crop farmers and farms who grow cash crops as your main operation. Crops would include things such as fruits, vegetables, apples, potatoes, corn, grain, hay etc.
• Beef Farm: This insurance is specialized for beef cattle farms where the main source of income is from beef production.  

You need farm insurance if you own a farm, have acreage that you rent to other farms, or have farm operations such as renting land from others and growing crops. 

A standard homeowner's insurance policy does not provide proper coverage for a farm operation. A farm insurance policy includes coverage for your home and personal liability, as well as your farm and farm liability needs. A farm insurance expert will help you determine the coverages needed for your commercial farming operation.

Yes. A standard home insurance policy typically does not cover farm buildings, livestock, or liability arising from farming activities.

There is no fixed acreage. Classification depends on farm income, activities, and insurer guidelines.

Farm insurance can extend to farmers’ markets and roadside stands, but coverage must be specifically added.

Yes. Multiple owned or rented farm locations can often be insured under one coordinated policy.

Exclusions vary by insurer and policy. Reviewing coverage details with a broker helps identify gaps.

Farm insurance isn't a category most farmers want to spend their day shopping. Here's what working with Morison actually looks like: 

1. One application, multiple markets. You answer questions once, and we compare farm insurance companies in Ontario on your behalf, including mutuals that don't sell direct. 
2. Farm-specific underwriting know-how. Cash crop, dairy, beef, greenhouse, hobby, agri-tourism. Every insurance company looks at farms differently. We know which ones are the best fit for your type of operation, and how to present your farm so you get the right coverage at a fair price. 
3. Real support after the policy is bound. Renewals, mid-term changes, certificates of insurance for landlords or buyers, and a broker who picks up the phone when you need answers.