Good things grow in Ontario indeed! With increased awareness around and encouragement for consumers to buy local, there has never been more of a demand for the grains, crops, eggs, dairy and meat products raised on Ontario commercial and hobby farms. As rewarding as it is to put food on Ontario’s dinner tables, agriculture is not for the weak of heart. The commercial insurance experts at ALIGNED have got you covered with the information and protections you need all in one place – so you don’t have to piece together your Ontario farm’s risk-management plan from several sources.
Safety Tips For Ontario Farmers
To assist you with your duty to protect your farm workers as per the Occupational Health and Safety Act, the Government of Ontario’s “Health and Safety in Farming Operations” page provides Ontario farmers with an overview of the OHSA and its applications in your day-to-day farming operations, links to the various regulations that apply to farming operations in Ontario and OHSA safety standards for various functions being carried out every day on farms across Ontario.
These safety tips are from the “Slips, trips and falls on farming operations” page and are recommendations to help you and your workers avoid injuries and for safe working around machinery:
“Taking extra care around machinery
Your workers should never jump from a tractor. There is always the danger of catching clothing on pedals, levers or other protruding parts. Workers could land on an uneven surface and injure their ankles, legs or back.
Your workers should:
- never operate equipment from any position other than the operator’s seat or control area
- never allow passengers because they are much more likely to fall from a moving machine
- not carry tools, chains or other equipment on a platform
- always use handrails, handholds and steps to mount or dismount tractors and self-propelled equipment
- follow the three-point system, either two hands and one foot, or one hand and two feet on the machine at all times
- instruct workers on the proper techniques for mounting and dismounting equipment
- keep steps and platforms of tractors and other machinery clean and dry
- make sure surfaces are free from mud, ice, snow, manure, grease and other debris”
Regardless of the workplace, safety is a priority and this is especially true of farm work.
Farm Insurance in Ontario
ALIGNED’s solution for farm insurance in Ontario is a comprehensive and customizable package of insurance coverages designed for Ontario farmers including:
- Cash Crop Farm
- Cattle and Dairy Farms
- Hog Farm
- Egg and Poultry Farm
- Hobby Farms
- Beef Farm
- Organic Farm
First and foremost, our farm insurance packages provide coverages for farm produce, crops, livestock and farming machinery and equipment. For more detailed information, visit our Canadian Farm Insurance Coverage Overview page.
As mentioned in the introduction, ALIGNED is a one-stop-shop for all the coverages your Ontario farm needs to protect it from the ups and downs of agribusiness. Some other coverages that are typically included in a farm insurance plan in Ontario include:
This coverage can protect farm outbuilding like sheds, barns, silos, feed tanks and grain bins and their contents from fires, flooding, hail and other bad weather events. Your Ontario farm may also need:
- Business Interruption protection to help you stay on top of your operating costs after an insured peril.
- Extra Expense coverage to help you with the costs to set up a temporary farming operation if your farm is hit with a peril covered in your property insurance coverage because farming needs to get done no matter what the weather.
CGL insurance provides legal protection against lawsuits alleging personal injury, property damage, false advertising or libel/slander. This mainly protects you should people (other than employees) are injured on your farm or if their property is damaged due to your farming operations. We also recommend that your farm insurance in Ontario include:
Not only does this cover farming machinery and equipment, but it can also cover heating and cooling systems and other equipment needed in your Ontario farm and the costs associated with farm equipment failure due to specific perils like electrical arching etc.
Commercial Vehicle Insurance / Motorcycle Insurance
This type of coverage is required in Ontario for motorcycle, trucks and transportation and recreational vehicles used on public roadways in the course of your Ontario farm’s agribusiness functions.
ALIGNED, Comprehensive Farm Insurance in Ontario Brokered by Commercial Insurance Experts
Having an insurance broker who is also a commercial insurance expert is having an advocate who specializes in risk management for businesses and who works with Canada’s top insurers fighting to get your Ontario farm fully protected at competitive rates. Contact an advocate or use our online tool to get a free quote on Ontario farm insurance coverage in minutes.
- Farm Insurance in Alberta
- Best Insurance for Marijuana Grow Operations in Canada
- How Much Is Commercial Vehicle Insurance In Ontario?
- Intact Contractors Insurance
- Snow Removal Insurance in Ontario
- Builders Risk Insurance
- Insurance For Convenience Stores In Canada
We’re here to help you find the BEST commercial insurance…
Our team of insurance brokers is available to help answer any and all questions you might have about all of our commercial insurance products. If you have a question about business insurance, are uncertain about what a particular insurance coverage term means, or simply want to find commercial insurance that directly aligns with your needs, don’t hesitate to call us toll-free at 1-866-287-0448.
It’s time to get insurance value and choice aligned. Want Canadian business insurance that aligns with your bottom line? We can help. 365. Call us toll-free at 1-866-287-0448 or click to Get a Quote!
We’re ALIGNED across Canada. The ALIGNED Insurance National Operations Centre in Cambridge, Ontario supports our Toronto, Calgary and Vancouver offices. Our industry peers consistently recognize us as one of Canada’s best insurance teams. 100% Canadian owned, we are super proud to be one of the fastest growing insurance brokerages in the country.
We deliver e-news you can use. Get practical business insurance insights in your inbox every month. 19,000+ people subscribe to our free ALIGNMENT Matters e-news. Just click the JOIN OUR DISTRIBUTION LIST button – at the bottom of our homepage – to get connected.
365 | Get ALIGNED. Every day, Canadian business leaders read our insurance insights. Find us on LinkedIn, Twitter, Facebook, Instagram, LinkedIn and YouTube.