Agri-Business

Agriculture is the heart beat of the rural community. Whether it’s been in the family for generations or an owned business or part of a larger operation, it’s a place many still call home. For many people in rural communities, it’s both home and business.

Regular Farm

Edge Mutual has been protecting area communities for almost 125 years.  In fact, many early pioneers of Ontario’s rural communities were the very same people involved in forming local mutual companies. With our grassroots knowledge of local farming, it’s not surprising that Edge Mutual has remained one of the leading sources of farm insurance protection in this province – generation after generation.

We’ve watched the agricultural landscape change over the years. We know that choosing an insurance program is an important part of the success of any farming operation. With all the potential perils of agri-business, managing your risk with appropriate coverage is absolutely crucial.

Farm Insurance Program

You need someone who thoroughly understands agri-business both on an operational level, and on a personal level. With Edge Mutual, you can have the peace of mind in knowing you’re placing your trust in organization that has remained rooted in the rural community.

Our farm insurance program provides you with the option to insure many different kinds of property as well as offering various levels of coverage. 

Talk to your broker about insuring your:

  • Outbuildings
  • Machinery & Equipment
  • Produce, seed, and commercial feeds
  • Herbicides, pesticides, and fertilizers
  • Livestock
  • Potential loss of income following an insured property loss
  • Allegations of liability arising out of your farm premises, products, or operation

Hobby Farm

A standard residential policy just won’t cut it for people living in rural areas.  Now there’s a simple way to get the peace of mind that you are protected by an insurance program specifically designed for large properties or hobby farms.

The Country Living package is a comprehensive residential insurance program with some extra “farm-like” protection thrown in for good measure.  It takes the best residential coverage and enhances it even further. 

After all, you don’t just live in a house, you live on a country property.

INSURANCE ON YOUR HOME & PROPERTY

  • All risk coverage on your dwelling and contents
  • Suitable for properties up to 200 acres provided minimal farm income

BLANKET FARM COVERAGE

For items such as:

  • Machinery (eg. garden tractor, snow plow)
  • Detached Buildings
  • Produce (eg. seed, feed, fertilizers)
  • Livestock (up to 8 animals / 3 boarded)
  • Tack
  • Equipment
  • Legal Liability

Performers Dairy

Leading dairymen require a high caliber dairy insurance program that will address the unique aspects of their operation seamlessly.  The Performers Dairy Program starts with extensive insurance protection where it counts, and adds the flexibility to expand coverage where it makes sense.  Get the edge with modern, flexible protection designed for operational excellence.

LIVESTOCK COVERAGE

  • Including entrapment, physical injury, accidental strangulation, bloat
  • Roundup of escaped livestock
  • Animal birth (optional)
  • Medicines, new acquisitions and emergency veterinarian expenses
  • Nitrogen tank, frozen semen and embryo    
  • Deadstock removal 

PRODUCT COVERAGE

  • Milk spoilage resulting from electrical or mechanical breakdown
  • Inhibitor contamination to owned milk
  • Consequential loss off-premises

PROPERTY COVERAGE

  • Dwelling and farm buildings
  • Snowload and collapse
  • Replacement cost coverage
  • Reconstruction costs due to bylaws

FARM MACHINERY COVERAGE

  • Replacement cost
  • Damage to non-owned machinery
  • Loss of use

PUBLIC LEGAL LIABILITY

  • Environmental pollution coverage
  • Inhibitor contamination to non-owned milk

LOSS OF INCOME COVERAGE

  • Ongoing and extra expenses after a loss

Performers Poultry

With the bio-security concerns you face every day, mitigating risk is a familiar concept to high performing poultry operators.  The Performers Poultry Program starts with extensive insurance protection where it counts, and adds the flexibility to expand coverage where it makes sense.  Get the edge with modern, flexible protection designed for operational excellence.

POULTRY COVERAGE

  • Fumes and electrical power interruption
  • Heat prostration by extremes in outside temperature (optional)
  • Sublimits for medicines and deadstock removal

PRODUCE COVERAGE

  • Commercial poultry feeds
  • Egg spoilage resulting from electrical or mechanical breakdown

PROPERTY COVERAGE

  • Dwelling and farm buildings
  • Snowload and collapse
  • Replacement cost coverage
  • Reconstruction costs due to bylaws

FARM MACHINERY COVERAGE

  • Replacement cost
  • Damage to non-owned machinery
  • Loss of use

PUBLIC LEGAL LIABILITY

  • Corporate & family farm operations
  • Environmental pollution coverage

LOSS OF INCOME COVERAGE

  • Ongoing and extra expenses after a loss

Performers Equine

Equine operations can differ drastically depending on the breed and intended use of the horses.  From broodmare or stud farms, to boarding, training, therapeutic, or riding facilities. The Performers Equine Program starts with extensive insurance protection where it counts, and adds the flexibility to expand coverage where it makes sense.  Get the edge with modern, flexible protection designed for operational excellence.

EQUINE RELATED COVERAGE

  • Entrapment, physical injury, accidental strangulation
  • Stablemen's liability
  • Animal birth (optional)
  • Medicines, new acquisitions and emergency veterinarian expenses
  • Personal property located in farm outbuildings
  • Relocation of horses after barn damage
  • Sewer, spetic tank, drain or sump back-up in farm outbuildings
  • Deadstock removal 

PRODUCT COVERAGE

  • Consequential loss off-premises

PROPERTY COVERAGE

  • Dwelling and farm buildings
  • Snowload and collapse
  • Replacement cost coverage
  • Reconstruction costs due to bylaws

FARM MACHINERY COVERAGE

  • Replacement cost
  • Damage to non-owned machinery
  • Loss of use

PUBLIC LEGAL LIABILITY

  • Environmental pollution coverage
  • Up to 5 owned horses included

LOSS OF INCOME COVERAGE

  • Ongoing and extra expenses after a loss

Performers Cash Crop

The following extensions are included with the Performers Cash Crop product:

  • Buildings in the Course of Construction
  • By-Laws Coverage for rebuilding of Farm Buildings
  • Consequential Loss coverage for Farm Produce
  • Consequential Loss Coverage (Off Premises Power)
  • Damage to Non-Owned Farm Equipment
  • Deductible that disappears if losses exceed a specified limit
  • Extra Expense – Nutrient Manage Plans
  • Farm Fences
  • Fire Department Charges
  • Loss of Use – Farm Machinery
  • Newly Acquired Buildings/Newly Acquired Locations
  • Pollution Damage – Owned Property
  • Power Fluctuation Coverage
  • Professional Fees
  • Signs on premises
  • GPS Configuration
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