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Agricultural production insurance In farm insurance, the following companies have designed policies for our clients that are tailored to the reality of Quebec farmers.
Farm insurers
GROUPE ESTRIE RICHELIEU AXA Agricole farm insurance Jevco insurance maple groves
Farm insurance can include the following sections
Farm buildings and their equipment
- On entend par bâtiment le bâtiment désigné, les annexes contiguës, l’équipement de bâtiment, les agencements, les stalles, les abreuvoirs, les installations d’éclairage, de ventilation, climatisation et chauffage (y compris le combustible servant au chauffage) et en général le contenu de toute description pourvu qu’il fasse partie intégrante du bâtiment ou qu’il soit utilisé principalement dans le dit bâtiment. N.B. : Les silos (sauf les silos à moulée) ne font toutefois pas partie de cette définition et doivent être assurés spécifiquement
- Building equipment means any property located in or on the building listed in the coverage summary, permanently installed equipment, fixed installations, furniture, supplies, furnishings, machines, utensils, appliances and motorized machinery used exclusively in the building, equipment contained in a silo attached to an insured building, account books and, in general, contents of any description (with the exception of animals and farm products)
Self-propelled and non-self-propelled farm implements
Implements, whether or not capable of moving or being moved without being towed or pushed, that are used in the operation of the farm, including their accessories and spare parts
Farm products
These are the goods or products that you grow, sell, handle or distribute, or that are grown, sold, handled or distributed on your behalf, including containers but excluding a vehicle.
Equipment breakdown
Business interruption losses
Animals
These are your farm animals described in the coverage summary listed on your insurance policy. Here is a list of the risks generally insured:
- Fire
- Lightning
- Wind
- Explosion
- Smoke
- Hail
- Collapse of a building
- Aircraft impact
- Collision between an animal and a vehicle
- Civil disturbances
- Civil unrest
- Theft
- Electrocution
- Falling objects
- Transport
- Earthquake
- Flood
- Strangulation
IMPORTANT: Never move animals when found dead. You must automatically dial the toll-free 24-hour number as quickly as possible. (add link to the “You have a claim” section)
Pollution risk
This coverage is included if mentioned in the coverage summary. The insurer will provide this coverage against damage caused by pollution provided that the aforementioned events are sudden and accidental. Coverage is provided for pollution arising from the emission, release, discharge or dispersion of solid, liquid or gaseous substances into the atmosphere, waters, water pipes, sewers or drainage systems.
Contaminated milk protection
We protect you against damage caused to third-party property by the adulteration of milk linked to the presence of detergents, chemicals or other substances, or in cases where the milk would contain an antiseptic or an antibiotic
Farmers’ civil liability
You are protected against claims made against you for bodily injury or property damage caused to third parties as a result of the liability that falls upon you by law or the liability of third parties that you have assumed under a written agreement relating to the insured premises
Excess and umbrella liability insurance
Automobile for farmers
These are vehicles used as part of farmers’ daily activities.
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* These product descriptions have no legal character and are intended only to facilitate understanding of the site’s texts. They cannot under any circumstances be used to interpret the wording of any contract whatsoever. The wording of a contract will always take precedence over the text of this page.
Frequently asked questions — farm insurance Quebec
What basic coverages should a Quebec farm have?
A Quebec farm should at minimum have: farm building insurance (barn, silo, stable), farm equipment and machinery insurance, farm civil liability insurance, and coverage for animals. Depending on the type of operation, specific coverages for crops, greenhouses or fuel tanks may be added.
Can livestock be insured in Quebec?
Yes, livestock can be insured against accidental death, diseases and certain catastrophes. Dairy cattle, swine, poultry and sheep herds are insurable. Premiums vary based on the species, the value of the animals and the risks specific to your operation. Some insurers specialized in the farm market offer coverages tailored to each type of livestock farming.
Are greenhouses and production equipment covered?
Yes, commercial greenhouses and their irrigation, heating and lighting systems are insurable under farm property insurance. The replacement value must be properly declared, as modern greenhouses are costly to rebuild. Some insurers also offer coverages for greenhouse crops against equipment breakdown that leads to the loss of the crop.
Are crop damages caused by weather insurable?
Damage to open-field crops is generally handled by the public programs of La Financière agricole (crop insurance). Private insurance can complement this protection, particularly for specialized crops not covered by government programs. Damage caused by pest insects and diseases is generally not covered by private insurance.
How do I insure my farm equipment — tractors, harvesters, specialized equipment?
Farm equipment can be covered at replacement value or actual value depending on the contract. Self-propelled equipment must also be insured for automobile civil liability when circulating on public roads. An up-to-date inventory with serial numbers facilitates claims in the event of theft or accident.
Does agritourism on my farm create particular insurance needs?
Absolutely. As soon as you welcome the public on your farm — self-serve picking, farm-to-table dining, school visits — your civil liability must be extended to cover visitors. An injured visitor on your property can generate a significant claim. Inform your broker of all ancillary activities and make sure they are explicitly covered in your policy.
Are farm worker housing units on my operation covered by my farm insurance?
Farm employee housing (bungalows, cabins, dormitories) can be included in the farm policy, but they must be declared separately with their reconstruction value. Sanitary facilities and communal kitchens create additional liabilities. Also check your fire safety obligations under the Quebec Construction Code.
What is the difference between the ASRA/La Financière agricole programs and private farm insurance?
La Financière agricole’s programs (ASRA, crop insurance, Agri-stability) are government programs for stabilizing farm income. They do not replace private insurance. Your private insurance policy covers physical losses — building fire, equipment theft, machinery accident, injuries — while La Financière agricole’s programs compensate income losses linked to climatic or economic fluctuations.
Are theft and vandalism common in the farm sector and how do I protect myself?
Theft of fuel, equipment and farm machinery is a real problem in Quebec. Thefts of catalytic converters, batteries and specialized tools have increased in recent years. Theft insurance is generally included in your farm policy but may require minimum security measures — fencing, lighting, certified padlocks — to maintain coverage. Surveillance cameras can reduce your premium.
How do I report a farm loss and what should I expect?
Contact your broker as soon as possible after the loss. A farm claims adjuster will be mandated to assess the damage. Document the losses with photos before any cleanup. For claims related to livestock, veterinary evidence may be required. Farm losses are often complex — a specialized broker who knows your file greatly facilitates the compensation process.
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