Your farm is more than just land and livestock—it’s your livelihood, your legacy, and your family’s future. Whether you run a small family farm or manage a large-scale agricultural operation, the risks you face are unique and unpredictable. That’s why having the right farm insurance is so important.

At PetleyHare, we provide flexible and personalized farm insurance solutions designed specifically for Ontario farmers. From crop loss to equipment breakdowns, we’re here to help protect everything you’ve built.

Request a personalized farm insurance quote today and take the first step in securing your farm’s future.

Canadian Farm Insurance Solutions

Farms come in all shapes and sizes—from hobby farms and family-run dairies to commercial poultry barns and multi-acre crop operations. Regardless of scale, every farm faces its own set of risks. Weather damage, livestock illness, equipment failure, or third-party liability can lead to major setbacks.

That’s why it’s so important to work with a farm insurance broker who understands the Canadian agricultural landscape. At PetleyHare, we partner with leading insurers to deliver farming insurance that’s tailored to your operation, your region, and your specific coverage needs.

We insure a wide variety of farms, including:

  • Grain and crop farms
  • Dairy and cattle farms
  • Poultry operations
  • Mixed-use and hobby farms
  • Specialty farms like orchards and vineyards

Our team works directly with you to ensure your policy reflects your current assets and operations and adapts as your farm grows.

Whether you're managing a family legacy farm or transitioning to organic practices, we understand how your risks change over time. We'll revisit your policy regularly to keep you protected no matter what the next season brings.

Farming Insurance Coverage

Our comprehensive policies cover the essential aspects of farm life and business. Here’s a closer look at the core areas we protect:

  1. Farm Liability Coverage

    Accidents can happen anytime, whether it’s a visitor slipping on your property or a neighbour’s fence being damaged during harvest. Farm liability coverage provides protection if you’re found legally responsible for injuries or property damage.

    This coverage helps pay for legal defence, medical expenses, and repairs if you’re liable for an incident. It’s essential for both personal peace of mind and business continuity.

    Liability insurance is also key when hosting public events like farm tours, markets, or educational visits. Even in the safest environment, unforeseen injuries can result in costly claims.

  2. Crop Insurance

    Weather conditions can be unpredictable—and devastating. Crop insurance protects your harvest against losses caused by hail, drought, pests, or disease. With the right policy in place, you can reduce the financial impact of a poor growing season and continue investing in your farm’s future.

    Coverage can be tailored to include revenue protection, multi-peril protection, and specific commodity-based coverage for grains, vegetables, or fruit. This allows you to build a policy around your actual growing risk and business model.

  3. Livestock Insurance

    Your animals are a central part of your operation. Livestock insurance helps protect against the loss of cattle, poultry, or other animals due to accidents, illness, or extreme weather events. Some policies can also cover theft or transportation losses.

    For larger operations, coverage can extend to herd health management or specialized high-value breeding stock. If you raise animals for show or sale, we can adjust your policy to reflect their higher market value.

  4. Farm Equipment Insurance

    Tractors, harvesters, combines, sprayers—modern agriculture depends on complex, expensive machinery. Farm equipment insurance protects these vital tools from damage or breakdown due to fire, vandalism, collision, and more.

    Coverage can also include mobile equipment used off-property or in transport. Whether you’re planting, harvesting, or clearing snow, equipment downtime costs money. Protecting these assets helps maintain productivity all year round.

  5. Dwelling and Outbuilding Coverage

    Your home and farm buildings deserve protection too. Dwelling coverage protects your farmhouse from perils like fire, vandalism, and storm damage, while farm building coverage includes barns, silos, machine sheds, and workshops.

    We can also include replacement cost coverage so you’re not left short when rebuilding after a loss. And if you rent out a building on your property, we can help ensure that part of your operation is properly insured as well.

  6. Farm Business Interruption

    If a fire, storm, or other event forces your farm to stop operating temporarily, business interruption insurance helps replace lost income and cover ongoing expenses.

    This type of protection is especially important for farms that rely heavily on seasonal revenue or have contractual supply obligations.

    Business interruption coverage may also assist with relocation expenses, temporary storage solutions, or payroll continuity to help you retain staff during a disruption.

  7. Optional Add-ons and Endorsements

    Every farm is different, and we offer flexible options to match. Additional endorsements can include:

    • Extended equipment coverage
    • Greenhouse protection
    • Feed and seed inventory coverage
    • Custom crop types and specialty livestock
    • Pollution liability coverage
    • Farm cyber liability

    Our brokers will review your current risk exposures and help you choose add-ons that align with your operation’s profile.

Cultivating Confidence with Farmland Insurance

Farmland is more than soil—it’s a long-term investment that supports your family, your animals, and your entire operation. Farmland insurance protects the physical land, the structures built on it, and everything it supports.

Whether it’s barns, silos, irrigation systems, or fencing, PetleyHare provides agriculture insurance built for the real-world risks Ontario farmers face. Our team works directly with you to ensure your farmland and fixed assets are properly evaluated, valued, and covered.

If you lease land or have multiple properties under different ownership arrangements, we can help structure your policy to reflect that. Many Ontario farms today include a mix of owned and leased land—and it all needs to be accounted for in your coverage.

We also help you navigate the impact of environmental regulations, zoning issues, and new development—so your farmland stays protected no matter what changes around it.

Filing a Farm Insurance Claim Is Straightforward

We understand that when something goes wrong on the farm, the last thing you want is a complicated claim process. That’s why our approach is personal, straightforward, and built on support.

Here’s how it works:

Step 1: Ensure Client Safety & Record the Incident

Take immediate steps to protect people and property. Once safe, document the damage with photos and notes.

Step 2: Reach Out to Our Support Team

Contact your broker at PetleyHare or reach out directly to our claims team.

Step 3: Gather and Submit Supporting Documents

Submit the necessary documentation, including incident details, receipts, and repair quotes.

Step 4: We Handle the Heavy Lifting

We’ll guide you through the process, working with your insurer to help ensure your claim is handled quickly and fairly.

We aim to make claims as stress-free as possible. You’ll receive transparent communication, honest timelines, and a local contact who understands your business.

Partner with a Trusted Farm Insurance Broker

At PetleyHare, we’re more than just an insurance brokerage. We’re part of the Ontario community. For over 100 years, we’ve helped local families and businesses protect what matters most.

As your farm insurance broker, we take the time to understand your operation, offer unbiased advice, and provide access to multiple top-rated insurers. We help you find the right coverage at the right value—and we’re here for you when you need us most.

Our brokers specialize in Ontario farm risks, including rural property exposures, supply chain vulnerability, and the complexity of multi-use farms. We don’t just sell you a policy—we help you plan for the long haul.

Talk to a licensed broker today about your farm’s insurance needs.

Visit our Oshawa office, stop by our Port Perry location, or learn more at PetleyHare.com.

Agriculture Insurance FAQs

What does farm insurance cover?

Farm insurance typically covers property, equipment, livestock, crops, and liability. It protects against risks like natural disasters, fire, theft, accidents, and business interruptions to help ensure your farm’s financial stability.

How much does farm insurance cost?

The cost of farm insurance varies based on factors such as the size and type of your farm, your location, and the specific coverage options you choose. Our brokers can provide multiple quotes so you can compare plans and find a policy that fits your needs and budget.

Why is farm insurance important?

Farming involves many variables you can’t control, from weather to market conditions. Farm insurance helps protect your livelihood from unexpected losses, giving you the confidence to keep growing your operation without risking everything you’ve built.

What types of farms do you insure?

We insure a wide variety of farms, including dairy farms, crop farms, poultry operations, cattle farms, hobby farms, and more. Whether your operation is large or small, we’ll help you find the right protection.

How can I determine the right coverage for my farm?

Our experienced brokers will work closely with you to understand your specific risks and operations. We’ll help you build a policy that provides comprehensive protection without overpaying for coverage you don’t need.

Are there discounts available for farm insurance?

Yes. Discounts may be available for bundling multiple policies, implementing safety features on your farm, or maintaining a claim-free record. We’ll help you identify all potential savings.

Can I update my farm insurance policy as my operation grows?

Absolutely. Your farm insurance policy should evolve as your operation changes. Whether you acquire new land, buy more equipment, or add livestock, we’ll help adjust your coverage accordingly.

Want to speak with someone local? Contact our team today to talk about protecting your farm and your future.

Farm Insurance Insights