Vacant farms
We can seek quotations for farms where the dwelling, buildings or entire premises are vacant. Tell us why the property is vacant, how long it has been vacant, inspection frequency, utilities, heating, security and future plans.
HomeFarm Insurance
Farm insurance Ontario
One policy designed around the home, land and business working together.
Risk Care helps Ontario farm owners and agricultural businesses, including vacant farms, rented farms and farms with commercial or business exposures, arrange appropriate insurance quotations. Coverage may include dwellings, barns, machinery, livestock, stored produce, farm liability, pollution exposures and business interruption.
Owner-occupied, vacant, rented & commercial farm risks
Protection matched to how the farm operates
Rented farms
We can quote farm properties rented to residential tenants or farm operators. Provide the lease arrangement, who occupies and farms the land, which party owns machinery or livestock, and who is responsible for maintenance and liability.
Commercial & business exposure
We can approach markets for farms with eligible business activities such as farm-gate sales, custom farming, storage, workshops, contractors or home-based businesses. Each activity, receipts, payroll and liability exposure must be disclosed.
Farm coverage
Protection built around agricultural operations
01
Farm dwelling and contents
Protection for the principal farmhouse, personal property, detached structures and additional living expense, subject to the selected form.
02
Barns and farm buildings
Scheduled barns, shops, silos, grain bins, greenhouses and other structures, with values and settlement terms selected for each building.
03
Machinery and equipment
Tractors, combines, implements, irrigation equipment, tools and leased or financed machinery can be scheduled or insured on an eligible blanket basis.
04
Livestock and produce
Coverage may be arranged for livestock, poultry, harvested produce, seed, feed and seasonal concentrations, depending on operation and insurer.
05
Farm liability
May respond to covered bodily injury or property damage involving premises, animals, products, custom work, roadside sales or public activities.
06
Income, breakdown and pollution
Options may include business interruption, equipment breakdown, limited pollution, chemical drift and other farm-specific extensions.
Every farm is different. Dairy, poultry, hog, equine, greenhouse, agritourism, custom farming and large tank exposures may require a separate insurer supplement and inspection.
Simple, complete submission
Tell the story once, then attach the schedules
1
Describe operations
List commodities, acreage, locations, revenue and incidental activities.
2
Schedule assets
Summarize buildings, machinery, livestock and produce, then upload detailed lists.
3
Review liability
Disclose visitors, retail sales, custom work, equine activities, tanks and chemicals.
4
Complete underwriting
A broker reviews values, supplements, photographs, inspection needs and insurer terms.
Farm insurance application
Request a quote
This form consolidates the general farm application. Upload detailed equipment, building, livestock, produce and tank schedules instead of repeating long lists.
- Applicant and farm
- Dwelling and buildings
- Machinery and property
- Livestock and produce
- Liability and environment
- Coverage and history
- Upload schedules
Questions? Call 905-672-9172.
Farm insurance FAQs
Why is a standard home policy usually not enough for a working farm?
A working farm combines a residence with commercial buildings, machinery, livestock, produce, employees and farm liability exposures that a standard home policy may not address.
Why are machinery and building schedules important?
The insurer needs each item’s use, age, construction or model, value and settlement basis. Long lists are easier to verify through uploaded schedules than repeated web fields.
Will the farm need an inspection?
Many insurers require photographs or an inspection to assess building condition, electrical and heating risks, separation distances, housekeeping, fire protection and environmental exposures.