Skip to ContentSkip to Footer

Poultry farm insurance and so much more

  • Farmhouse (own/rent)

  • Farm Buildings

  • Cars, Vans & Trucks

  • Produce & Crops

  • Machinery

  • Livestock

  • Liability

Things we can cover

  • Your home and property
  • Farm machinery
  • Fuel and fuel tanks
  • Farm buildings and sheds
  • Boilers and equipment breakdown
  • Computer hardware
  • Farm and personal auto
  • Livestock and hauling vehicles
  • Business interruption
  • Farm, home and business liability
  • Theft and vandalism
  • Legal fees (if being sued)
  • Harvested crops and spoilage caused by breakdown or power interruption
  • Extra clean-up costs incurred from a poultry disease outbreak
  • Heat prostration
  • Pollution liability, and more…

Talk to a broker to learn more

Who we can cover

Our Premier Poultry solution protects large-scale producers who want flexible, customized coverage and great value. Your poultry operation could qualify for Premier Poultry coverage if it is:

  • Your main source of revenue
  • 100% Canadian owned
  • An independent or family owned business (partnership or corporation)
  • A business that has been operational for least 3 years
  • Outfitted with modern facilities and machinery
  • Run with quality control and management practices in place

Talk to a broker about your options

Keeping you safe and sound

We're committed to helping you stay safe on the farm (PDF)

Our in-house team of risk consultants can help you identify hazards and avoid accidents and losses before they happen. Included in our complimentary loss-prevention program:

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

Learn more about how our Risk Services consultants can help you: Watch Video

Putting farmers first

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.

We’ve got the experience and expertise to protect your way of life.

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 poultry operations that qualify, including:

  • Electrical power interruption
    • Keeping your barn’s ventilation system going is essential. In the event it goes down and your birds perish, we’ve got you covered.
  • Heat prostration
    • You’re protected in situations where it’s so hot and humid that no amount of ventilation will cool the birds enough to prevent casualties.

To qualify for these coverages, you must have automatic generators and alarms that are tested regularly and monitored 24/7. Heat prostration also requires your barn to have adequate ventilation and it cannot be overstocked.

Birds must be insured to their maximum value, which varies depending on the type of operation. We take this into account when determining premiums, knowing that the value of the birds changes throughout their life cycle. 

When poultry operations face a loss, like fire to a broiler barn, the impact can be significant. The Premier Poultry policy automatically provides business interruption coverage and 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 for birds to repopulate your barn, so we’ll continue to replace lost income during that time.   

TIP: For the best level of protection, carry both business interruption and livestock coverage. In the case of a broiler barn fire where birds have only been in the barn for two weeks, your coverage would cover the costs of rebuilding your barn, including attached equipment and the market value of the birds at the time of the loss. But, the market value on two-week-old birds is low. Without business interruption, you won’t have coverage for the following:

  • Full value of the birds at the time they would have been sold (business interruption picks this up under loss of income)
  • Loss of income until the barn is rebuilt
    • You may be able to find a barn to lease, but the barn owner typically retains half of the profits
  • Loss of income from the time the barn is rebuilt until it’s restocked with birds

Poultry disease clean-up extra expense coverage is available for purchase. This does not cover the value of your birds that must be destroyed, but it does pay for the increased expense of removing and disposing of the birds and litter, plus the additional cleaning that is required.