Farm, Ranch & Crop Hail Insurance
Protect Your Way of Life on Your Farm
Western Financial Group is an award-winning brokerage. Our farm insurance experts will get you tailored coverage to protect your way of life.
You Can Be Confident with Your Farm Insurance
We are skilled insurance shoppers. We work with Canada’s leading insurance partners to get you the right coverage at the right value for your farm. We know that farm insurance
often combines parts of personal (farmhouse) and business into one policy.
How farm insurance protects you
- Protects farm buildings like barns and silos and your home
- Protects against lawsuits for personal injury or property damage claims related to your farming operations and products
- Protects against the loss of livestock, crops, dairy and eggs due to illness, contamination, and viruses.
We’re the hail insurance experts you need to protect your crops
Hail is one of Canada’s most expensive hazards. Your crop hail premium is determined by such aspects as the number of acres and the crops you’ve planted.
Did you know that hail insurance can also protect your crops from fire?
You can insure
- Your home
- Machinery, tools, equipment, and parts
- Crops
- Livestock
- Outbuildings
- Business activities such as agritourism, animal shows, farmers’ markets
- Fertilizer, chemicals, and feed
We know farming: Many of our insurance experts at Western Financial Group have farmed, are from farming families, or have family in the industry.
Our insurance experts understand that farm, ranch, orchard, and hobby farm insurance is unique.
Why Choose Western?
Compare Insurance Quotes for Free
We shop across trusted providers to find you the best coverage.
Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
Fast, Personalized Advice
Our local insurance experts understand your specific needs.
Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.
Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
FAQ's
What is Farm Insurance in Canada?
Farm insurance is a specialized policy that protects farming operations, including your home, farm buildings, equipment, livestock, crops, and liability exposures. It combines elements of home insurance, commercial property insurance, and business liability coverage.
Are hobby farms covered under regular home insurance?
Not usually. If you have livestock, equipment, or earn income from farm sales, even part-time, you need a farm policy or a farm rider added to your home insurance. Hobby farms still carry risks.
Are farmers eligible for group insurance or discounts?
Yes. Many farm associations or co-operatives offer group rates. Can I bundle farm and home insurance? Yes, most farm policies include both dwelling and farm property coverage in one policy. This is more efficient and often cheaper than managing two separate policies.
Does it cover custom work I do for others (e.g., baling, spraying, harvesting)?
This is often considered commercial or custom farming and not automatically covered. You may need to add custom operator liability or obtain a separate policy.
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