Farm Insurance in Moose Jaw
The farms in Moose Jaw 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 Moose Jaw 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 Moose Jaw. 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.
You want to look after yours. Our farm insurance brokers help Moosejaw farmers do just that. Here are some of the operations we offer solutions for:
- Grain & Cash Crops
- Dairy & Beef Farms
- Poultry & Hog Farms
- Horse Farms
- Mixed Farms
- Seed Growers
- Processing Plants
Liability Insurance for Your Moose Jaw Farm Insurance
A liability situation could arise at any given moment, no matter 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 Moose Jaw 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 Moose Jaw 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 Moose Jaw 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 Moose Jaw farm has any special needs. Our friendly and knowledgeable farm insurance brokers in Moosejaw can chat with you about any of the additional coverages that may 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 farm insurance coverage in Moosejaw 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
- Loss of Income
You can apply today for no obligation farm insurance quotes in Moosejaw. We have lots of experience in the realm of insurance and our crop insurance brokers want Moosejaw farmers to have it all when it comes to insurance solutions so they can protect what matters most: their farm.
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 Moose Jaw 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 Moose Jaw 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 Moosejaw farm 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. Keep in mind that crop insurance in Moosejaw is essential as your crops may be your main source of revenue. You will want this coverage to reflect your crops and tools.
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 Moose Jaw: 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 Moose Jaw 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 Moose Jaw 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 hail insurance in Moosejaw is essential to secure an adequate financial safety net is essential. Trustmark’s professional hail insurance brokers in Moosejaw will work one on one with you to assess your exposures and find out what your coverage needs are.
Additional Farm Insurance in Moosejaw: Crop
Your crops may be your farm’s main source of revenue, but what would you do if something happened to your harvest in Moosejaw? Crop insurance is a necessity for farmers to protect against the elements. Think: drought, hail, flood, heavy rainfall, and so much more. Having Moosejaw crop insurance can even secure you against loss of revenue due to the decrease in the value of agriculture produce. You can get no obligation crop insurance quotes as a Moosejaw farmer when you work with Trustmark. We get to know your farm personally so that we can ensure your operations are secured.
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 Moose Jaw and the surrounding area. Our representatives can offer you a range of various helpful tips and handy trips to curb your Moose Jaw 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.