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Your farm insurance coverage will be customized to fit the needs of your farm. The right protection at a competitive price.

We know and understand the agri-business both on an operational and a personal level. Our members enjoy peace of mind when they place their trust in an experienced farm insurance specialist. We will recommend and provide you with optional coverage beyond your basic package. We put on our boots and walk the farm with you, we want to see every aspect of your operation. It’s hard work to keep your farm sustainable, let us make sure you’ve got the insurance to keep it that way.

Get A Quote.

Contact our team to Get Started

Learn More About What Areas We Cover

Farm Property Insurance

Buildings used for livestock, farm equipment or machinery are an essential element of your farm operations. Insured outbuildings must be listed on your policy and are subject to a deductible and rebuilding clause. Let’s discuss the farm use and value of each building so we understand it’s use.

Get A Farm Property Insurance Quote.

Farm Equipment Insurance

Inclusive of equipment and machinery of any farm purpose and value must be listed on your policy to have coverage in the event of a loss due to an insured peril. We know a lot, but share with us what each item is used for, we’d love to learn and understand even better.

Get A Farm Equipment Insurance Quote.

Produce, Seed and Feeds

Most often kept in storage, including silos, but become easily susceptible to the potential of a loss. Let us know if the amounts during the year fluctuate, we can adjust your policy accordingly.

Get A Quote.

Livestock Insurance

Includes farm animals which the farm derives direct income including dairy, poultry and other. Coverage may also be extended to non-owned livestock, and can also include saddle animals. Some animals may only require your farm liability, but let’s talk about the livestock that makes your farm successful.

Learn more about insurance for farmers.

Loss of Income Following an Insured Property Loss

You can’t afford to not have a regular farm income in prime season, loss of Income must be purchased separately, but it provides coverage for that income lost when an insured peril has slowed or halted your farm operations. We understand bills still need to get paid, and other expenses don’t go away when your income stops.

Get A Quote.

Additional Farm Liability Exposure

Farm liability is available for those additional risks you may have that are unique to farming. You may have ponds or offer custom spraying that you’ll want to know are covered. Do you farm any other locations other than yours? Let’s get that covered too.

Learn more about insurance for farmers.

Loss of Use on Farm Equipment

Don’t let a breakdown ruin a great farm season, when equipment is essential, purchasing additional protection is a must. Don’t leave your farm stranded, get the coverage you need to keep working the field.

Get A Farm Equipment Insurance Quote.

Hobby Farm Insurance

While Erie Mutual is well known for offering full farm liability for traditional farming insurance policies, we also offer limited farm liability insurance that is intended for hobby farm insurance.

Get A Hobby Farm Insurance Quote.

Farm Truck Insurance

Protect one of the most valuable assets on your farm. The cost of your farm truck insurance is customized based on your specific need.

Get A Farm Truck Quote

Tractor Insurance

Do you own a John Deere, Kubota or any one of the other top tractor brands? Tractor insurance will help make sure the full cash value of your tractor can be replaced in the event of a fire, damage or theft.

Get A Tractor Insurance Quote

Finding the Right Insurance Solution for You

Recommended
Coverage

Includes

Full coverage on all livestock, equipment, and buildings with full insurance. Loss of Income, Equipment Breakdown and Farmer’s Accident to keep your farm fully protected.

Get a Quote

Basic
Coverage

Includes

Buildings, livestock, and equipment that is essential to your farm operations. Protect the items you can’t afford to lose.

Get a Quote

Minimum
Coverage

Includes

Selected key items of equipment and those buildings which will maintain an active farm.

Get a Quote

Comparison

Farm Liability
OutbuildingsSome
Loss of Income
Farmers Accident
Equipment Breakdown

Frequently Asked Questions

Norm Mackenzie

Account Executive

Are there farm packages available for larger operations that provide inclusive coverage?

Yes, packages are available for farm operations (example: Dairy Package) which offer inclusive coverage typical of this type of farm business. We will always find solutions for your farm coverage needs that do not fit within a package, additional coverage is available for your farm policy. We want you to have the best coverage, let us work together to give your family peace of mind.

What if I get injured while farming, what does my policy cover?

Farmer’s Accident Insurance plan must be purchased and is intended to provide coverage for farmers so that an injury will not prevent important farm activities from getting done. Payment up to policy limits cover the expense to hire replacement labour, and severe injuries suffered within 365 days of the farm accident are paid according to a list on severity and amount. You may still want to consider additional coverage outside of what this can offer, but it’s a good start to have something in place.

I board livestock for another farmer, am I protected if something happens to their livestock?

Coverage for non-owned livestock is available to be added to your policy upon request and we will insure you for the livestock of others (there is coverage included in larger farm packages). Speak with an Erie Mutual Farm Specialist to determine the appropriate limit of insurance needed under your policy. Tell us about the livestock, do you keep more at certain times of the year. We can adjust accordingly, and amend limits when the value of the livestock fluctuates on the market.

We use our ATV on the farm, is it covered under my contents of farm equipment?

Sorry, proper insurance protection for all terrain vehicles is secured under an auto insurance policy and is not included as either contents or equipment under a farm policy. The auto insurance policy provides for liability insurance, but more importantly, it can offer the necessary physical damage coverage (including theft, and this happens often), and accident benefits if anyone is injured while operating the vehicle. We recommend you discuss the use and operation of any ATV with our professional insurance advisor.

Member Testimonials

  • "Excellent service, well knowledgeable! Very happy with the service, I will definitely recommend to friends and family"

    Nick Katalinich
    Erie Mutual Member (Fenwick)

  • "I've had the pleasure of dealing with Erie Mutual for nearly a year now and they've been wonderful at every step. Everyone I've spoken with has been friendly and helpful."

    Myles Calvert
    Tenpine Web Development

  • "The crew at Erie Mutual are always friendly, knowledgeable and efficient. We’ve been with them for 5+ years and always recommend the company to friends and family. We really enjoy working with a local company."

    Natalie Tchorz
    Erie Mutual Member (Dunnville)

  • “Erie Mutual insures our home, automobiles, cottage and rental properties. They treat us like family with exceptional service by phone, email and even text. Regardless of what we need to be insured, I always know a call to Erie will find a solution and offer the right protection.”

    Stacy Stanley
    Erie Mutual Member (Dunnville)

  • “The true value of being with Erie Mutual is the people and service. I trust their professional advice for my insurance, I never worry if I have the proper coverage or the right amount of insurance”

    Paul Jackson
    Erie Mutual Member (Grand Bend)

  • "The best thing about this insurance company is the people, they take care of everything I need quick and easy!"

    Carolyn Walsh
    Erie Mutual Member (Dunnville)

  • "Agents are excellent. They go past expectations to make sure you're well cared for!"

    Brenda Heeg
    Erie Mutual Member (Dunnville)

  • "I have had the pleasure of doing with business with Adam Hegg. This is a top-shelf agent and took care of all my needs quickly and efficiently."

    Steven Rombough
    Erie Mutual Member (Fisherville)

  • “Erie Mutual is one of the greatest companies to deal with …
    Amazing customer service and prompt replies! Would never consider another company after being with them. Thanks Erie Mutual!”

    Tina Sipkens
    Erie Mutual Member (Caledonia)

  • “Please accept my apology for not notifying you of insurance cancellation on my dad’s house. You were one of the most helpful during the difficult time in settling his affairs, the banks and government should follow your example of professionalism.”

    Jim Poth
    Family of Erie Mutual Member (Port Colborne)

  • "Any Insurance company can tell you everything they can do for you. I have had claims through Erie Mutual. Customer Service, satisfaction and quick friendly settlement is of the utmost importance with your Insurance Company. That is what I received with Erie Mutual Everyone is always professional and helpful! Any question is just a phone call away."

    Cindy Johnson-Murphy
    Erie Mutual Member (Dunnville)

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