Moosejaw Farm Insurance.

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Farm Insurance in Moosejaw.

The farms in Moosejaw are different than your run-of-the-mill operation. Saskatchewan’s agriculture industry has farms that are twice as large as the national average, which means that the investment in farm equipment and inputs are much higher than normal – as are the risks. There is an ever increasing call for farm insurance in Moosejaw to help protect businesses and all their assets from potential exposures and perils that they could be exposed to during operations. Trust in Trustmark’s expert farm insurance brokers to help you get the agriculture insurance that you need.

Having been working in the industry for over 35 years, Trustmark knows farmers better. Farmers and farms vary wildly in the province of Saskatchewan so we always ensure that our plans are tailored to suit the unique needs of our clients. We always take into account any and all liability risks that may face, the nature of your business, what equipment you use and need, and more. Our experts will even visit your farm personally to see how you run things so that we can delegate a personal plan to protect your buildings, belongings, dwellings, harvest, and so much more.

Types of Operations

There is a large variety of different farming operations in Saskatchewan and as such Trustmark offers a wide range of different insurance programs to meet each business’s individual circumstances. You want the right kind of coverage for your far min Moosejaw. Work with an expert from Trustmark that understands your operations best. We are always one step ahead of the game when it comes to great coverage.

  • Grain & Cash Crops
  • Dairy & Beef Farms
  • Poultry & Hog Farms
  • Horse Farms
  • Mixed Farms
  • Seed Growers
  • Processing Plants

Liability Insurance for Your Moosejaw Farm Insurance

A liability situation could arise at any given moment, no mater how cautious you are being. Just think if someone was to make a claim against your business or farm as a result of personal injury or even property damage. Liability insurance can help protect you. Look to Trustmark to ensure that there is enough farm insurance coverage to safeguard your Moosejaw farm.

What does it mean to have liability insurance, you might be wondering? As is the case with any other commercial operation, liability insurance can protect you and your farm from any expenses that come with legal lawsuits. Your farm insurance in Moosejaw has the capacity to offer coverage if a visitor is injured while visiting your farm or if you are held responsible for damages to someone else’s property. There are a variety of exposures that your Moosejaw farm insurance can offer protection for:

  • If you are held responsible for damages resulting from your individual actions (this coverage may also be available anywhere in the world);
  • Accidental injury or damages to third-party’s property as a result of your farm’s operations;
  • Coverage if you are held liable for impairment to any external business structures or even borrowed/loaned property;
  • Liability for pesticide application
  • Medical payments for injured visitors and third party; and
  • Coverage for if you are held responsible for damages or injury as a result of the use of your farm, occupancy, or your ownership.

You may need additional farm insurance coverage if your Moosejaw farm has any special needs. These additional coverages can include the following:

  • Tourism activity liability: Protection for if your farm offers any agritourism activities to its guests, such as apple picking events or sleigh rides.
  • Pollution liability: Coverage for your business from financial losses due to legal lawsuits from pollution that your farm’s operations have caused (mind that there may be some restrictions to do with this coverage).
  • Farmer’s market events: Coverage for any hosted farmer’s markets or shows. This offers liability protection if someone has an allergic reaction or is injured at your event.
  • Fall fairs and animal shows: Protection for you livestock during transportation to a 4-H show, plowing match, animal show, or fall fair.
  • Building construction liability: Protects farmers who operate as their own contractors, make their own structures and do their own repairs. This endorsement may offer coverage if you do construction on your own property and could offer reimbursement if someone on your team is injured.

Chat with a broker in Moosejaw from Trustmark about any of the above if you are not absolutely sure about what you need. Our experts are some of the best in the industry and can help you acquire what you need. You will never be left wondering if your insurance is enough with us.

Types of Farm Insurance Coverage in Moosejaw.

Your farm’s needs, as well as your own individual requirements, may mean you need to look into supplementing your existing policy with additional insurance coverage to prevent any exposures. The experts at Trustmark Insurance can look over your operations and offer you advice on a variety of endorsements that may be of benefit to you. The following is a list of few of the items that we can insure to mitigate your exposures on the job:

  • Crop/Hail Damage
  • Home & Contents
  • Outbuildings
  • Equipment
  • Livestock
  • Produce
  • Loss of Income
  • Liability

How does your existing farm insurance coverage in Moosejaw par up?

Farming is a business and requires insurance, just like with any other commercial operations. All your items or possessions that your business uses or needs must be declared on your policy as separate from your personal belongings and home. But how does your existing farm insurance coverage in Moosejaw stand up to threats that agriculture workers face today? Do you have coverage for everything that you need? Below is a list of some of the questions you should be asking yourself.

  • Do you need Fire Fighting farm insurance coverage? Many Moosejaw agriculture insurance plans will not include this crucial protection.
  • Do you have any machinery or structures on your farm that are new? Newer equipment or machinery can qualify for coverage with a limited waiver of depreciation for up to 5 years after you buy it. The rest of your tools and equipment should have protection for their actual cash value (minus depreciation).
  • Do you have special farm insurance coverage for all your special items, like tack, equipment, fuel and chemical tanks, water bowls , aeration fans, bin sweeps, and more? Specialty items may require specialty insurance.
  • If you have any special processes such as combining, spraying, and grain drying, these tasks need to be reported so that your insurance can be arranged accordingly to include them.
  • Is your protection sufficient enough to include your chemicals, fertilizer and fodder? While you might have insurance for your grain and/or your livestock, some things may slip through the grates.
  • Are all the items used on your business property up to date? Do they reflecting their existing market value today? Any claims you make for combines, sweathers, and other valuable equipment may be subject to a separate deductible.
  • Are you sure that your buildings are adequately protected? Some buildings depending on their age and usage can qualify for Replacement Cost Coverage. This may be listed on your policy with the building description and if not plainly indicated can mean that the losses will be determined based on actual cash value without depreciation.
  • Loss of use protection is essential – do you have it? This coverage may be offered and can provide a generous amount of reimbursement for rental costs if your loaned farm equipment is damaged as a result of a covered peril.
  • Does your building’s contents have enough insurance? Make sure you are considering all your items, such as spare parts, tools, supplies, and shop equipment. Some items may not be included in your policy and outbuildings are protected separately.

Additional Farm Insurance in Moosejaw: Vehicle

If you employ the usage of snowmobiles, trailers or ATVs for your farm’s operations, you will need to ensure that these vehicles have sufficient coverage. Farm machinery coverage does not always include all-terrain vehicles or anything that requires licensing by SGI. There may also be some limitations within your farm insurance coverage when it comes to insuring special commercial operations, watercrafts, or ATVs. You may need to acquire a separate vehicle insurance policy to cover certain SGI motor vehicles. Your investments are important! It is within your best interest that you acquire enough coverage so that business can run as smoothly as it usually does.

Your existing Moosejaw farm insurance might be able to offer some coverage for your vehicles that you use on the regular like your typical plows, heavy farm trucks, and your cars. This coverage may also offer some protection if your vehicles collide with an object or other vehicle, or if you do damage to a third-party or their personal property. Trustmark can ensure that you have the right Moosejaw farm insurance package – so all your needs may be met.

Additional Farm Insurance in Moosejaw: Hail

Sometimes the biggest threat to our farms can be the weather itself. Random bursts of harsh weather can be devastating to our crops and given the erratic nature of the global market hail is one of the biggest risks we face. Acquiring enough crop damage ensure to secure an adequate financial safety net is essential. Trustmark will work one on one with you to assess your exposures and find out what your coverage needs are in Moosejaw.

Trustmark as a Your Agriculture Insurance Provider

Working with an expert here at Trustmark is a surefire way to set yourself up to do business with one of the best farm insurance brokers in Moosejaw and the surrounding area. Our representatives can offer you a range of various helpful tips and handy trips to curb your Moosejaw farm insurance costs. We are members of the community too and understand farms in Saskatchewan better than anyone. Our farms are our livelihoods! We believe it is critical that you acquire an insurance plan that is right for you. Trustmark can help you do just that.

Believe in Trustmark to help you out if something unexpected should happen. While we wish we could stop all the bad things from happening, we know that the best way to ensuring you can get back on your feet after a loss is by having the right insurance for your business. Our brokerage is committed to delivering the highest expectations with our expert advice, customizable protection plans, and assistance.

Why Trustmark

We are a locally owned and operated family business, serving you for over 40 years.

24 hour claims support

Experience and expertise – we have over 120 years of combined experience in our office!

We go above and beyond for our clients. We pride ourselves on going that extra mile

We care about you.

 

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