Farm Insurance – Newfoundland and Labrador

Farm operations, of any type, are diverse and complex. From small-scale hobby farms to multigenerational farming operations, and large corporate agribusiness, there’s coverage to keep your farm business protected if the unexpected happens.

We understand it’s vital to protect what’s most important to you and your business. Our expert insurance advisors are here to ensure you’re protected and provide peace of mind so you can focus on nurturing your business for the future.

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Why Choose Westland?

We know that your farm insurance needs to match your goals, your business and your budget. Our expert business insurance advisors get to know you and your business, so that they can tailor a policy to your exact needs. We’ll work with you to build a risk management solution, ensuring coverages line up with your business needs.

Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, Click here.

Farm Insurance Explained

Today’s farm operations are entirely different than that of a generation before. We’ve seen the heavy involvement of technology in machinery helping farmers get the most bushels per acre and changes in the agricultural landscape with research and specialized crops to better your yield. One thing that hasn’t changed about agriculture is the importance of relationships. We all know how willing to help the farming community is, from helping when machinery is down, to meeting up over a cup of coffee to talk about your crops and yields.

Each farm business is unique and comes with its own complexities. From an insurance standpoint, your farm operation is one of the most specialized areas of business we encounter. That’s why our dedicated agriculture insurance advisors cultivate relationships with their clients to ensure they’re fully protected.

Farming is a broad term that can describe anything from a small hobby farm to operations that work sections upon sections of land. No matter your size or type of operation, the same risks may apply. Your farm is your livelihood, your investment, your way of life. It’s essential to have the right policy in place to ensure you and your livelihood are protected.

As mentioned before, machinery has evolved to keep up with the pace of technology and has completely changed the farming landscape. With that comes a much higher price tag. Equipment purchases are most likely some of the most significant investments your operation will ever make. From seamless seeding automation to autopilot GPS routing, you need that machinery to get the job done. Your policy will cover your investment in machinery and ensure you’re able to keep things rolling in the event of an insured loss.

Barns, sheds, greenhouses and shops. There’s a reason the agriculture industry is found out in the country; farmers need a lot of space. Buildings house many elements necessary for day-to-day production. The right farm insurance policy will cover buildings on your property against losses that may occur.

Unlike other types of farming, you look after the well-being of your herd, brood, or drift instead of nurturing a seed to a harvest-ready crop. There are specific risks that differentiate livestock farming from other agriculture types. That’s why it’s important to have the right farm insurance policy to protect your business and livestock.

Walk into the shop of any farmer, and you’ll know there is a lot of equipment needed to get the job done. Whether you have specialized tools to fix your new fancy combine or a supply of twine in preparation for baling season, the tools and equipment required for your operation can add up, and the right farm insurance policy will provide peace of mind coverage.

Farm liability encompasses both business liability for farming operations as well as personal liability for the individual farmer and his/her family.  Business liability provides coverage for liability claims arising from bodily injury and property damage to others as a result of your operations. Losses and subsequent claims could be caused by your employees, your products, your livestock, completed operations, or by something occurring on your premises. To learn more about business liability, click here.

Each farm is as unique as the seeds used to grow the crops. From hobby farm, to corporate farms, and everything in between. We’ve got you and your business covered. We insure the major agriculture sectors:

  • Grain Farms
  • Dairy & Poultry
  • Hobby Farm
  • Livestock
  • Specialty Farm
  • Hog Farm
  • Vegetable Farm
  • Ranch

Whether you’re a big operation or support your local farmer’s market, having the right farm insurance policy is important. Our farm insurance advisors are in the community and familiar with the needs of your business, with a focus on industry and market trends. We strive to cultivate relationships with our clients because, more often than not, the connection is in the community already. Our farm producers will take the time to talk through your operation, get to know you and your business, and continue to be there for you when you need us.

We can help with your auto insurance needs too! Connect with us today to ensure you’re covered out on the road.

Review Your Insurance and Get a Quote with Westland

Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique risks and operations, and find the perfect insurance policy for your business. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your business coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!

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Claims Example

Damage to equipment is one of the most common claims we see when it comes to farms. For example, a combine can ingest a rock or a piece of metal while operating during harvest, resulting in damages to the equipment. The right farm insurance policy will help mitigate these risks and get you back to your normal as quickly as possible.

Our goal is to find the best coverage for your business so you can focus on what’s important. To learn more about being a Westland client, click here.

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