Farm Insurance in British Columbia

Why We're the Right Choice for Your Farm

As a Canadian company with a presence in your local community, we understand the challenges and risks you may be facing. We work with Canada’s leading insurance partners to get you the right coverage and value. 

With our local expertise and flexible coverage options, you can focus on running your farm while we work to secure the best solutions for your needs and help you protect what matters most.

Get a customized quote today and ensure your BC farm is ready for the unexpected.

Farm Insurance

Farm insurance is a specialized type of coverage designed to protect farmers, ranchers, and agricultural operations from financial loss due to unexpected events.

A standard farm insurance policy in BC can cover:

• Farm dwellings and personal property
• Outbuildings and barns
• Farm equipment and machinery
• Livestock
• Crops (optional or through separate programs)
• Liability protection (for bodily injury or property damage)

Farm insurance typically covers key assets such as your home (dwelling), outbuildings, machinery, grain bins, produce, livestock, and liability. In addition, you can customize your policy with a wide range of optional coverages to protect other valuable items like ATVs, irrigation systems, loss of use, and farm contents.

Basic coverage starts with fire and lightning and can also include wind, hail, collapse due to snow load, and impact by land vehicle.

Replacement cost can be added to the farm building depending on year of construction and condition.

Additional coverages to consider adding or extending include:

Fire

Firefighting Expense coverage is a key component that should be included in any farm insurance policy. Some insurers provide a set limit within the standard policy, while others require it to be added separately. It's important to review these limits regularly to ensure they are adequate for today’s costs and reflect the actual fees charged by local fire departments.

Hail

Hail Insurance is not annually renewed. Hail insurance providers release their rates at the appropriate time, after which clients can secure coverage—either starting from the release date or once their crops have reached a visible stage of growth. Coverage starts at noon the next day after purchase.  A hail insurance policy offers protection against hail loss to growing crops, shatter loss by hail in swath (limited to crop types) and fire loss (typically) until the date of expiry.

Flood

Most farm insurance providers offer some level of flood coverage for dwellings, which typically includes protection against sewer backup. However, just like standard homeowner policies, there are exclusions to flood coverage that clients should be aware of. Livestock and machinery may also be protected against flood damage if they’re included under an all-risk coverage option.

Wherever your Farm is located in Fraser Valley, Okanagan Valley, Vancouver Island, Thompson-Nicola region, Peace River region, Kelowna, or elsewhere in British Columbia, a business insurance expert will get you Farm coverage that uniquely protects what you do.