Find a Broker
Make a PaymentMake a Claim

Our products

Farm
Insurance

Your farm is more than a business – it’s your livelihood and your legacy. At The Commonwell, we’ve been trusted partners to Ontario farmers for over 125 years, helping protect what matters most. Whether it’s equipment, livestock, outbuildings, or produce, we provide tailored insurance to fit the way your farm operates.

Coverage Options
Find a Broker

FARM INSURANCE

What We Cover

Our tailored insurance solutions provide comprehensive farm and agri-business coverage to protect your operation:

Barns and Outbuildings

Your barns and outbuildings are central to your farm. This coverage protects them from physical damage caused by external perils like fire or severe weather, helping you recover when the unexpected happens.

Livestock

Your animals are part of your livelihood. This coverage helps protect your livestock in the event of accidents or death, giving you peace of mind when caring for your herd.

Business Interruption

Farming can be unpredictable. If a covered event temporarily halts your operations, this coverage helps replace lost income and cover extra expenses so your farm stays on track.

Limited Pollution Liability

Even small incidents can have big consequences. This coverage helps protect your farm from financial losses due to accidental pollution-related events.

Farm Equipment

Farming runs on reliable machinery. This coverage protects your equipment against physical damage and includes Limited Waiver of Depreciation for new equipment—so your investment stays protected.

Produce

Harvested produce represents months of work. This coverage protects your crops and goods, and floater coverage extends protection when your produce is offsite, in transit, or being sold at markets.

Farm Liability

Accidents happen, even on the farm. Comprehensive farm liability coverage protects you against claims for bodily injury or property damage that may result from farm operations.

Our dedicated brokers take the time to understand your agri-business, ensuring you’re covered through every season of farming in Commonwell Country.

Find a Broker

FARM INSURANCE

Why Choose The Commonwell for Your Farm Insurance?

Local Expertise

Our brokers live and work in Commonwell Country, bringing first-hand knowledge of farming life and the challenges you face.

Personalized Protection

Every farm is different. From family-run operations to large agri-business, we shape coverage around what matters most to you.

Generations of Reliability

For over 125 years, Ontario farmers have counted on us for protection rooted in trust and strengthened by experience.

Resources

Important Things to Know

Make sure your farm liability coverage is distinct from personal liability. This helps protect your operation if accidents or claims arise from farming activities.

More farms are adopting modern technology—from software to connected devices. Stay up to date on cyber insurance to protect against breaches and downtime.

If you use drones for field monitoring or crop management, ensure they’re included in your farm policy. Standard coverage may not extend to them automatically.

From traditional tools to advanced machinery, every piece of equipment matters. Confirm with your broker that all are included in your coverage.

Stay compliant with housing and regulatory mandates. Backup power and equipment protection are key to avoiding costly interruptions.

Cover risks unique to livestock, such as equipment breakdowns, fire monitoring, or milk contamination. Talk to your broker about protections for both animals and farm tech.

Specialized coverage helps protect your crop cycle from planting to sale. Storage, drying facilities, and transport equipment should all be included for full protection.

Protect the work, land, and legacy you’ve built. Connect with a Commonwell broker today to get started.

Find a Broker