Agriculture Insurance in British Columbia

Protect What You’ve Worked So Hard to Grow

Western Financial Group is an award-winning brokerage. We work with Canada’s leading insurance partners to get you the right coverage and value. We know how important it is to protect what you’re building.

What is Agriculture Insurance?

Agriculture insurance in B.C. is basically a safety net for farmers. It helps protect your income and your crops when things go wrong, like bad weather, pests, fire, or even a big drop in prices. There are a couple of government-run programs, like AgriStability, which cover big income losses, and Production Insurance, which helps if your crops get damaged. You can also get private insurance to cover your barns, tractors, animals, and liability.

Our insurance expertise will benefit your Agriculture business

We make the process easy by getting insurance quotes for you and giving you policy coverage options that you can choose for your Agriculture business's specific needs.

If you’re farming in BC, agriculture insurance can really save your season when things go sideways. Whether it’s a bad hailstorm, unexpected crop loss, falling market prices, or even a wildfire, there are programs that help cover the hit.

By working with us, we'll ensure you get the coverage you need through government programs and fill any gaps, so you're fully protected in case something unexpected happens.

Who needs Agriculture insurance in British Columbia?

Growers of fruits, vegetables, grains, or specialty crops
Orchardists, berry farms, or vineyards
Organic and Small-Scale Farms
Beekeepers, mushroom farms

Cattle, hog, poultry, or dairy farmers
Young or New Farmers
Specialty Growers
Livestock Producers

Why is liability insurance important for Agriculture in British Columbia?

Liability insurance is an essential part of your British Columbia Agriculture insurance package. Here are the liability coverages that you need to help protect your Agriculture operations from lawsuits.

Commercial general liability insurance is essential for your BC farms and ranchs. If you were sued, commercial general liability insurance would cover the legal costs to defend the claim against your business in court, as well as costs to cover damages to compensate third parties.

What other insurance coverages can I get for my Agriculture business in BC?

What is liability Insurance for Agriculture in BC?

Liability insurance protects your farm in case someone is injured on your property, or if your farm products cause harm (e.g., contaminated food or farm equipment accidents). It covers legal costs and potential damages if you're held responsible.

How much does British Columbia Agriculture insurance cost?

The following factors are usually considered when determining the cost of your business insurance:

Location(s)
Type of Agriculture Business
number of employees
years of experience
annual revenue
any past claims

What does crop insurance cover?

Crop insurance typically covers damage to crops caused by weather events (e.g., drought, hail, frost), pests, or disease. Some policies also offer coverage for lost income if market prices drop significantly.

What is AgriStability?

AgriStability is a government program that helps farmers with large income losses caused by factors like production issues or rising input costs. If your income drops more than 30% below your historical average, you can receive compensation.

Can I combine government and private insurance?

Yes, many farmers combine government programs like AgriStability and Production Insurance with private policies to ensure full protection. Government programs often cover income loss and crop damage, while private insurance can cover assets, liability, and other specific risks.

What happens if I miss the enrollment deadline?

If you miss the enrollment deadline for government programs, you may be able to enroll late for a reduced amount of coverage, but it’s best to check with the local agriculture department to understand your options or reach out to your insurance broker.

Why choose Western?

When you get your insurance coverage through us, we will send you the certificate of insurance right away, so you can focus on what you do best. It’s easy, fast, and customized. Get an online quote, text, email, or phone call. Choose what works for you.

Get a Quote TODAY!