We help farmers protect what matters most.

Farm & Hail Insurance.

Saskatchewan farmers are a breed apart. Farms here are twice the national average in acreage. The investment in equipment and inputs is higher and so are the risks. Trustmark has been helping farmers in Melville and area protect what matters most for over 35 years.

 

We understand the unique challenges and risks of farming in this region. We tailor farm insurance to fit the needs of your individual operation. We’ll visit your farm and work with you to customize a single convenient insurance package to cover your dwelling and belongings, buildings, equipment, livestock, grain and more.

 

Types of Operations

  • Grain & Cash Crops

  • Dairy & Beef Farms

  • Poultry & Hog Farms

  • Horse Farms

  • Mixed Farms

  • Seed Growers

  • Processing Plants

Types of Coverage

Why We Highly Recommend Liability Insurance

Liability insurance covers you if someone makes a claim against your farm for personal injury or property damage. We work with you to make sure you have sufficient liability protection, so your farm and livelihood are protected. 

 

Is your current coverage enough?

Farming is a business. That means all farm related items (buildings, contents, machinery and livestock) must be listed on your policy separately from your home and personal belongings. The big question is, does your policy cover everything? Here’s a quick list of questions to ask yourself—talk to us if you find a gap in your coverage.

 

  • Do you have enough coverage on your buildings? Certain types and ages of buildings may qualify for Replacement Cost Coverage. This feature is shown on your policy next to the building description. If replacement cost coverage is not indicated, loss or damage is settled based on actual cash value after depreciation.
     

  • Do you have enough coverage on building contents? This can include tools, spare parts, supplies and miscellaneous shop equipment. These items are not included in insurance on your outbuildings and must be covered separately.
     

  • You probably have coverage for grain and/or livestock, but do you have coverage for chemicals, fertilizer and fodder?
     

  • Are you covered for loss of use? This optional coverage reimburses you for rental costs when your machinery is damaged by an insured peril.
     

  • Is your farm machinery list up-to-date? Does it reflect today’s market values? Claims to combines, swathers and other equipment are subject to a deductible for internal damage losses equal to 25% or $2,500, whichever is greater.
     

  • Do you have new farm machinery? New farm machinery may be eligible for coverage with a (limited) waiver of depreciation for up to 5 years after its purchase. All other machinery should be insured to its actual cash value after deducting depreciation.
     

  • Do you need special coverage? Tack requires special coverage. So do some pieces of farm equipment, including aeration fans, bin sweeps, chemical and fuel tanks, cattle chutes and pens, and watering bowls.
     

  • Do you need Fire Fighting Coverage? This coverage is not automatically included by some isnurers on your farm policy.
     

  • Are you engaged in custom operations? Custom operations such as spraying, combining, grain drying, etc. must be reported and special coverage arranged.
     

  • Do you other ATVs, snowmobiles or trailers? Farm machinery coverage does not include all-terrain vehicles (ATVs), snowmobiles or any vehicle/trailers that need to be licensed by SGI.
     

  • Do you know the limitations of your farm liability coverage? Farm liability does not automatically cover custom operators or ATVs and watercraft. Also remember that any vehicle required to be licensed by SGI Motor Vehicles requires separate auto liability insurance.

Hail Insurance

Given the ups and downs of global markets, not to mention unpredictable and often extreme weather, it has never been more important for Saskatchewan farmers to have strong risk management plans. Crop damage insurance is a big part of the it. Trustmark works with you to identify your risks and coverage needs, and to provide options that will effectively protect you against major financial losses in the event of crop damage.

 

 

New Location

215 – 3rd Avenue West Melville,
SK S0A 2P0

 

Office Hours

Monday – Friday

8:30AM to 5:00PM

 

Contact

Phone: 306-728-2165

Fax: 306-728-5049

E-mail: info@trustmarkinsurance.ca

 

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