Custom Insurance
For Farmers By Farmers
You put your heart and soul into farming every day. It’s hard work, but the load is a little lighter when you know your insurance policy has your back. Our farm and agribusiness experts have been in your shoes, and we understand what’s at stake. We’ll make sure you have the coverage you need to weather the challenges, and we’ll be there to help when you need us.
Ask us how you can get the best value from your insurance premiums with a package covering all your needs.
Available When
You Are
Your workday doesn’t end at 5 p.m., so ours doesn’t either. Our team will gladly meet with you, in person or by phone, when you have the time to talk. We’ll always be ready with expert guidance on your coverage options, updating your policy and making claims. When you need us, we’re only a phone call away.
Why Choose Stewart Morrison Insurance?
We Provide Guidance
We provide genuine care, expertise and personalized service you can count on. You deserve to feel you can trust your insurance broker to do the best for you. We listen, ask questions and understand, taking the worry out of purchasing insurance. You will have a dedicated person to talk with, and they will deliver the right solutions for your family or your business.
We Deliver Value
Once we understand your needs, we will negotiate the right coverage and competitive premiums with the insurance provider most suited to you. Your premium dollars should be used to the best advantage, and we do that for you.
We Advocate for You
Insurance is complex and different for everyone, and that’s why it needs a human touch. We’ll guide you through purchasing your insurance and assist in the claims process. We have strong relationships with our insurance partners, who respect what we do, and because we have the right coverage in place for you from the beginning, we can and will advocate for you. Our commitment is to be there when you need us, always.
- Dairy Farms
- Poultry Farms
- Beef Farms
- Cash Crop
- Equine
- Feed Supply
- Farm Machinery
- Hobby Farms
- and more
Custom Insurance Solutions for Your Farm or Agribusiness
Every farm and agribusiness is unique, so your insurance should be, too. Our expert brokers will get to know your operations so we can make sure you get the right insurance policy with the best value. Here are some of the coverages you may need:
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Farm Building
Coverage to repair or replace barns and outbuildings if they’re damaged or destroyed. It’s important to think about usage when determining coverage for replacement costs — for example, if you have to rebuild a barn after a loss, a different type of barn may be more suitable for your current operations.
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Livestock
We offer a range of specialized coverages, such as entrapment, mortality, lightening, hardware and transport, to meet the needs of livestock operations of all sizes.
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Produce
This coverage is essential for protecting your harvested crops from losses such as fire or theft. Whether you grow apples, grain, hay or any other produce, the fruits of your labour need to be insured.
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Farm Liability
This coverage protects you and your farm operations from liability for injury or property damage resulting from your operations, whether on your property or off. It provides coverage for anything you are legally liable for, including livestock causing an accident or injury or damage caused by your equipment while travelling on the road.
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Pollution Liability
Ontario has strict legislation for pollution liability, and if you are responsible for environmental damage, such as an accidental chemical or oil spill, the cost of cleanup, damages and legal costs can be significant. It’s important to have this specialty insurance to cover these costs and protect your personal and business assets.
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Business Interruption
This coverage replaces lost income as a result of an interruption of your regular business operations due to a loss or other insurance claim.
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Accident and Sickness
This coverage provides funds to pay the wages of hired help if you are involved in an accident or experience a serious illness and are unable to work. There are specific limits depending on your coverage, so it’s important to discuss this carefully with your broker.
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Commercial Auto and Fleet
Coverage for vehicles used in your farm operations. In addition to standard auto coverages, such as collision, liability and accident benefits, you may also need:
- Auto and Fleet: Special coverage if you have five or more commercial vehicles on your policy. Reduced rates may be available.
- Trailers: Covers repair costs on your commercial trailer if it’s damaged while being towed.
- Temporary Replacement Vehicle: When you make a claim requiring repairs, this optional coverage provides you with a rental vehicle, so your business can keep moving forward.
- Waiver of Depreciation/Replacement Value: If your commercial vehicle is stolen or damaged beyond repair, this optional enhancement provides the replacement value, rather than the actual cash value.
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Agribusiness Coverages
Income Replacement/Business Interruption
This coverage replaces lost income as a result of an interruption of your regular business operations due to a loss or other insurance claim.Comprehensive General Liability
Complete coverage for liability if a person is injured or property is damaged during the course of business operations.Umbrella Liability
An extra or excess layer of liability coverage that will cover your business when the primary liability coverage limits have been depleted or reached as a result of a claim.Insurance to Value
An assessment or evaluation completed in order to calculate the cost to replace a building or structure as close as possible to its original state.Cyber Risk
If a data breach or other cybersecurity issue occurs, this covers costs such as recovery of information, network repairs, legal claims and public relations services.Commercial Auto and Fleet
Coverage for vehicles used in your agribusiness. In addition to standard auto coverages, such as collision, liability and accident benefits, you may also need:- Auto and Fleet: Special coverage if you have five or more commercial vehicles on your policy. Reduced rates may be available.
- Trailers: Covers repair costs on your commercial trailer if it’s damaged while being towed.
- Temporary Replacement Vehicle: When you make a claim requiring repairs, this optional coverage provides you with a rental vehicle, so your business can keep moving forward.
- Waiver of Depreciation/Replacement Value: If your commercial vehicle is stolen or damaged beyond repair, this optional enhancement provides the replacement value, rather than the actual cash value.
“For 60 years, we’ve been making sure Ontario farmers and agribusinesses have the right coverage. We pride ourselves on community-based service that's always a phone call away. Our farm experts have the knowledge and experience to identify the unique requirements of your operation and structure a policy that will keep your business protected and productive no matter what comes your way. Give us a call, we’re ready to listen.”