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Dairy farm insurance and so much more

  • Farmhouse (own/rent)

  • Farm Buildings

  • Cars, Vans & Trucks

  • Produce, Milk & Crops

  • Machinery

  • Livestock

  • Liability

Things we can cover

  • Your home & property
  • Farm machinery
  • Fuel and fuel tanks
  • Farm buildings & sheds
  • Boilers & equipment breakdown
  • Computer hardware
  • Vehicles & accident repairs
  • Livestock & carrying vehicles
  • Business interruption
  • General liability (& defence fees)
  • Harvested crops and spoilage
  • Theft and vandalism
  • Milk contamination
  • Pollution liability, and more…

Talk to a broker to learn more

Who we can cover

Our Premier Dairy solution protects large-scale producers who want flexible, customized coverage and great value. You could qualify for Premier Dairy coverage if your dairy operation:

  • Has a minimum of 30 milking cattle
  • Is your main source of revenue
  • Is 100% Canadian owned
  • Is an independent or family owned business (partnership or corporation)
  • Has been in business for at least 5 years
  • Has modern facilities and machinery
  • Has quality control and management practices in place

Talk to a broker about your options

Keeping you safe and sound

Protecting your business is our business — before and after a claim.

Our in-house team of risk consultants are thermography experts and can help you identify hazards and avoid accidents and losses before they happen.

Included in our complimentary loss-prevention program:

  • On-site risk analysis of heating and electrical systems, overall farm property, liability, and environmental risk assessment
  • Training seminars, prevention tools, and tip sheets
  • Analysis of claims and accident trends

Learn more about our thermography service: Watch Video

Putting farmers first

Together with Western General®, we’ve been putting farmers first for over a century. Founded
by farmers, we’re committed to protecting Canadian farming families with customized
insurance solutions for their homes, cars, trucks, machinery, and operations.

Known to Quebec residents as Economical Insurance and Western General in most other
provinces, we’ve got the experience and expertise to protect your way of life.

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Faqs

 

A deductible is the amount that you agree to pay (out of pocket) for claims-related expenses before your insurance company pays for the remaining costs.

Let’s say you have an accident and the total approved cost to repair damages is $5,000. If you chose a $500 deductible when you purchased your policy, you would need to pay for the first $500 worth of expenses, and we would cover the remaining $4,500.  

Although this is how a deductible applies on most policies, we will waive the deductible for Premier policies with a loss that exceeds $50,000 or 10 times the deductible amount you’ve chosen.

TIP: Choosing a higher deductible will lower your insurance premium. Just be prepared to pay for any costs up to that deductible amount when you need to make a claim.

Above and beyond the standard coverage you’d expect from your policy (e.g., fire, wind, etc.), we also provide unique and necessary coverage for farm livestock:

  • Flood and earthquake
  • Death or destruction while being transported
  • Drowning and attack by wild animals
  • Accidental physical entrapment
  • Physical injury causing death or necessary destruction
  • Accidental strangulation
  • Animal birth (covers the cow, not the calf)
  • Casting
  • Hardware
  • Bloat
  • Rabies
  • Blackleg

For Premier policies, the maximum amount payable per head is $10,000. This can be increased if you have animals valued higher than this.

We consider milk to be a type of farm produce. Coverage is available on a broad form basis and claims are settled based on market value at the time of the loss. Here are a few common situations Premier Dairy automatically covers:

  • If your milk spoils due to mechanical breakdown of the refrigeration units or electrical power interruption.
  • If in error, you contaminate milk in your bulk tank by milking a cow that has been medicated and depositing that milk into a tank that contains other milk. The maximum payable is typically $25,000, but we may approve higher limits in certain situations.  
  • If the bulk tank has been cleaned but a trace of chemical remains after the cleaning and milk is then shipped.
    • We will pay for your milk if you notice this prior to shipping and need to dump the milk.
    • If this milk is picked up by the truck and contaminates the milk of your neighbours, we’ll also pay for your neighbours’ milk under your farm liability coverage (sorry, not the fine that comes with it though).

We automatically cover up to $25,000 in losses if you have to dispose of your milk because the milk truck was delayed or failed to pick up your milk due to the following reasons:

  • Vehicle breakdown where there is no substitute vehicle available
  • The truck was in an accident
  • Poor road conditions (e.g., ice storm, wild fires, high winds with trees across roads, etc.)

We automatically cover up to $25,000 in losses for semen, embryos, and semen tanks owned by you. You’re covered in the event of a fire, lightning, theft, explosion, and tank failure (subject to limitations).

When dairy operations face a loss, like fire to a dairy barn, the impact can be significant. Although optional, we strongly suggest adding coverage for business interruption, as it will replace lost income for up to 18 months after an insured loss. Coverage does not stop when your barn is rebuilt — we understand it could take some time to repopulate your barn and get your dairy herd back to the same limit of production it was at prior to the loss, so we’ll continue to replace your income during that time.