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Thursday September 09, 2010

FARM INSURANCE PROGRAM

MACHINERY COVERAGE
  • A broad external perils coverage. Damage to non-owned or leased machinery
  • Loss of use
  • Newly acquired machinery & equipment

BUILDING COVERAGE
  • Broadform or named perils coverage
  • Optional replacement costs
  • Increased reconstruction costs due to bylaws

PRODUCE COVERAGE
  • Seed, fertilizers, herbicides, pesticides and commercial feed
  • Refrigerated produce

LIVESTOCK COVERAGE
  • Standard or broadform coverages available for cattle, swine, poultry and horses

LOSS OF INCOME COVERAGE
  • Ongoing and extra expenses after a loss

LIABILITY COVERAGE
  • Corporate and family farm operations
  • Environmental pollution coverage
  • Extensions for custom work
FARMERS' ACCIDENT INSURANCE COVERAGE
  • Accidental Death and Dismemberment Benefits
  • Replacement Labour Expenses

HIGHLIGHTS ONLY. Actual policy wording govern.
Coverage Availability subject to underwriting eligibility.

Water Problems
Water problems may occur at any time due to melting snow, heavy rainfall, sump pump malfunction or sewer back-up. Check roof shingles to ensure they are in good repair. Ensure your sump pump is functioning - have a back up system or alarm if you experience water problems on a regular basis. .....Full Story
Oil Tanks & Fuel Spills
This area is becoming a huge problem as the required environmental clean up is costly and is also disruptive to the homeowner. Check your oil tank & lines regularly for any possible leak or problem. If you detect an oil odour call your distributor immediately. If you have a spill, our adjuster .....Full Story
Fire
This is a common loss and may also lead to death. Ensure that smoke detectors are in proper working order. Have extinguishers in place in buildings and on equipment. Electricity must be respected. Have electrical wiring work completed by a certified electrician. Ensure that electrical .....Full Story