Agriculture & Forestry

Insurance built for how your operation actually runs

Maybe we can’t control the weather or the market, but we can control how they affect your agriculture and forestry business. From crop farms and livestock operations to forestry, orchards, and aquaculture, we build coverage around the realities of running a seasonal, weather-exposed operation, not a generic policy that wasn’t built with farm or forestry risk in mind.

Who we work with

• Small and large-scale crop farms
• Livestock operations
• Forestry and logging
• Orchards, greenhouses, and vineyards
• Fishing and aquaculture

Common risks in agriculture & forestry

• Weather and seasonal exposure, since a single storm, drought, or early frost can affect an entire season’s income
• High-value equipment, like combines, tractors, and forestry machinery that are expensive to repair or replace
• Livestock liability, including animals escaping onto public roads or injuring someone on the property
• Crop and product loss, covering harvested grain, seed, and other agricultural products in storage or transit
• Chemical application risk, from spraying operations that drift onto neighbouring property
• Buildings and structures, barns, shops, and outbuildings exposed to fire, severe weather, and collision

What coverage typically looks like

Most agriculture and forestry operations combine several types of coverage rather than relying on one policy: property coverage for buildings and equipment, liability coverage for the risks specific to livestock, chemical use, or visitors on the property, and coverage for stored or in-transit product. Risk and scale vary so much between a small market garden and a multi-barn operation that this is one of the areas where a generic package tends to miss the details that actually matter.