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Farm Insurance

Farm insurance in Ontario is a specialized suite of coverages designed to protect agricultural operations—from small hobby farms to large-scale commercial enterprises—against financial losses due to property damage, equipment failure, livestock death, and liability claims. Whether you are managing a dairy farm in St. Marys or a cash crop operation in Listowel, having the right protection provides a solid foundation and essential peace of mind for your livelihood.

In Ontario, private insurance typically works alongside government programs like AgriInsurance through OMAFRA to provide comprehensive security for your unique farming endeavours. Depending on the size of your operation, farm insurance costs can range from $1,000 for small hobby farms to $20,000+ for large-scale commercial operations.

A woman stands in a cornfield, wearing a green plaid shirt and holding an ear of corn. She smiles amid the towering plants, the epitome of rural life secured by farm insurance under the clear sky.
A vibrant red barn with a white roof stands against a clear blue sky, embodying the serene charm of farm life. Beside it, a tall tree with autumn-colored leaves complements the scene. A wooden fence runs along the grassy field in the foreground—a picturesque reminder of why farm insurance matters.

Specialized Agricultural Coverage: Livestock, Crops & Equipment

Protecting your farm means securing both your livelihood and your legacy. Whether you are managing dairy cattle in St. Marys, poultry in Palmerston, or high-value machinery in Listowel, agricultural insurance provides a solid foundation against risks like fire, severe weather, and liability. At Strong Roots Insurance Brokers Ltd., we understand the unique demands of rural Ontario farming because we live and work in the communities we serve.

Navigating Private Insurance and OMAFRA Programs

In Ontario, a comprehensive protection plan often involves two layers. While we provide private policies for your buildings, machinery, and liability, we also help you understand how these coverages complement government programs. We offer expert guidance on how your private insurance integrates with OMAFRA’s AgriInsurance and AgriStability programs to ensure you have no gaps in your protection against yield loss or market fluctuations.

What Does Farm Insurance Cover?

Understanding your coverage is the first step toward building a solid foundation for your agricultural legacy. As your local Ontario brokers, we provide tailored solutions for the following core risks:

A field ablaze with bright orange flames consumes dry grass, producing thick gray smoke under a clear sky. The fire, a reminder of the vital role of farm insurance, spreads across the landscape, creating stark contrast with the unburnt golden stalks nearby.

Fire & Devastating Loss:

We protect your farm from total fire losses with tailored coverage that accounts for the unique replacement costs of modern agricultural infrastructure.

Rows of young green corn plants grow in a muddy field, puddles of water scattered throughout. The clear sky above watches over this promising crop, a testament to the careful planning and protection afforded by comprehensive farm insurance as it extends into the distance.

Weather Damage

Safeguard your buildings and stored property from Ontario’s unpredictable storms, hail, and wind. Note: For standing crops, we help you coordinate private coverage with OMAFRA’s AgriInsurance program.

Stacks of hay bales in a barn with wooden beams and a slanted roof suggest the timeless charm of rural life. Sunlight filters in, illuminating the hay-strewn dirt floor. With farm insurance to protect this cozy, rustic atmosphere, it remains a cherished haven against unforeseen events.

Theft & Crime

Ensure financial protection against the stolen tools, machinery, or livestock that keep your operation running.

A vibrant red barn with a white roof stands behind a wooden fence, embodying the peace of countryside life and the assurance of robust farm insurance. A large tree with orange and yellow autumn leaves graces the scene, set against a clear blue sky, while a grassy field stretches expansively.

Farm Buildings & Infrastructure

We cover barns, silos, sheds, and specialized structures against damage or loss.

Four red tractors are lined up in a field under a blue sky with scattered clouds, embodying the essence of reliable farm insurance. The ground is covered in dry, harvested straw, while trees stand visible in the distance.

Equipment & Machinery

Protect tractors, combines, and essential tools from accidents and physical damage.

Three goats peering over a wooden fence, with their heads positioned between the slats. The goats have differently colored coats: one light brown, one medium brown, and one black. In this serene farm scene, protected by comprehensive farm insurance, the background is a blurred outdoor setting.

Livestock Insurance

Secure your herd—from dairy to beef—against accidents, transit risks, and specific illnesses.

Frequently Asked Questions

Why Choose Strong Roots Insurance?

Discover the difference of partnering with a dedicated insurance broker. Contact us today to discuss your insurance needs, and let us help you secure a brighter, more protected future.

Expertise

Our team’s in-depth knowledge of the insurance industry enables us to navigate complexities and find optimal solutions for your needs.

Personal Attention

 We treat each client with the utmost care and attention, ensuring that you feel valued and supported throughout your insurance journey.

Time Savings

Skip the time-consuming process of researching and comparing policies. We streamline the process, presenting you with the best options available.

Cost-Effective

Our ability to source competitive rates means you get the coverage you need at prices that fit your budget.

Long-Term Relationships

Beyond policies, we aim to build lasting relationships. We’re here not just for a transaction, but to provide ongoing support as your needs evolve.

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20+ years of building trust

Our clients trust Strong Roots Insurance

“I recently switched to Strong Roots, I have had the pleasure of working with Alisha. Not only is she knowledgeable and trustworthy, but her warm and helpful personality made the whole process so easy. With Alisha’s attentive listening, she was able to find me the best coverage - saving me so much money for auto and home insurance! I felt completely confident in her advice and she made sure I understood everything while answering all my questions. I highly recommend her!”

Kyra , Stratford

“Ask for Alisha or Lauren of strong roots, both of these ladies went above and beyond. Alisha unfortunately was sick and away from the office but made it a priority to contact me before my previous plan expired and got me in contact with Lauren immediately to sort things out. Lauren made the process as seamless as possible and a very easy experience. Both of these ladies went way beyond what most companies/ individuals provide.``

Grant , Stratford

“I recently reached out to Strong Roots as my mother had passed away and I forgot about her house insurance. As soon as I explained why I was calling, Kim was very sympathetic and immediately sprang into action! Within 2 days she had Moms policy sent in and notified me that the policy will be cancelled. Very fast, friendly and efficient service! Thank you Kim.”

Marian , Stratford

“Very impressed with Strong Roots. Elizabeth was knowledgeable, responsive, and kept me informed along the way. All my questions were answered and everything handled promptly. I ended up bundling my home and auto insurance and couldn't be more pleased.”

Nanushka , Stratford

“Michael is absolutely phenomenal! He is very quick to respond and got me a much better rate then what I previously had even after doing my own looking around! Lots of access to a large variety of companies and before switching presented me with lots of options and clarification for understanding what I was purchasing. At the start of the year I was looking into rental insurance and Michael made it very simple to bundle both insurance policies and again gave a bunch of options and clarity for what I was purchasing. Highly recommend for any insurance needs!”

Josiah , Stratford

“Strong roots insurance brokers offer great trustworthy insurance coverage deals. The staff are very knowledgeable, helpful and friendly. Their response to my call after a road accident was truly amazing they handled the situation perfectly and quickly secured a rental car for me on time. Many thanks to Alisha Gingerich and team for their awesome services. I would not hesitate to recommend anyone to try strong roots insurance brokers for insurance needs.”

Kiplangat , Stratford

“I have been with Strong Roots for a few years now. They were the only ones who offered me insurance for my vehicle when I needed it the most. I’m so happy I got to meet Elizabeth. She’s extremely helpful and knowledgeable abt any and everything related to getting the best quote for your car. Did I mentioned she’s also very kind and patient when it comes to her clients. She makes me feel like family. Thank you Elizabeth.”

Michelle , Stratford

“I’ve noted 5 stars for Lauren O’Brien as she’s responsive, detailed oriented and very knowledgeable. Whether it be a new vehicle purchase, in which my spur of the moment purchase had me needing coverage immediately, she was there. Or when my spouse passed away and I needed changes, she was there! Her friendliness and competence are added qualities I appreciate. I wholeheartedly recommend her and Strong Roots IB.”

Rhonda , Stratford

“Elizabeth is always kind, professional and efficient. She has helped us with our home and vehicle insurance needs over the last several years and dealing with her is always a warm and pleasant experience. I trust her implicitly and encourage others to reach out to her for all your insurance questions and needs.”

Heidi , Stratford
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Specialized Insurance Needs

Customized insurance solutions for unique scenarios (e.g., mobile homes, secondary properties).

We have your specialized Insurance needs covered
  • Tailored Coverage – Insurance for mobile homes, cottages, rentals, and unique properties.
  • Comprehensive Protection – Covers weather damage, theft, and liability for non-traditional homes.
  • Flexible Options – Customizable policies to fit your needs and budget.

FAQ

While not strictly mandated by provincial law for all operations, farm insurance is a practical necessity for securing your livelihood. If you use vehicles for farm business, Commercial Auto Insurance is a legal requirement in Ontario. Additionally, if you have a farm mortgage or lease equipment, your financial institution will require proof of property and liability coverage to protect their investment.

The cost of farm insurance varies significantly based on the scale of your operation. According to 2024-2026 industry data:

  • Small/Hobby Farms: Typically range from $1,000 to $5,000 per year.
  • Medium Operations: Generally fall between $5,000 and $20,000.
  • Large Commercial Farms: Premiums can exceed $20,000+ depending on specialized needs like dairy or poultry production.

Yes. A common misconception is that a standard homeowners policy covers a hobby farm. However, most residential policies exclude activities that generate income or involve livestock and large machinery. Hobby farm insurance provides a solid foundation by covering your home, outbuildings, and small-scale agricultural activities under one tailored policy.

AgriInsurance (often called Production Insurance) is a government program managed by OMAFRA that protects against yield reductions caused by natural perils like drought or flood. While we provide private insurance for your physical buildings, machinery, and liability, we recommend using it alongside AgriInsurance and AgriStability to ensure your entire operation is protected from the ground up.

Absolutely. Farm equipment and machinery insurance is a core component of our coverage. We protect your tractors, combines, and specialized tools against physical damage, fire, and theft, ensuring your most valuable assets are ready for the next season.

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