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Equine Farm Insurance

Ayr Farmers Mutual Insurance Company Protects Homes, Farms, Businesses and Vehicles in Ayr, Ontario

As an Ontario equine farmer, you face many risks to your business. From physical damage to your farm buildings, equipment and machinery to loss of income, personal injury, property damage or other events, any loss can be devastating. Protect your assets with our Supreme Equine Farm Insurance Plan. 

Supreme Equine Farm Insurance

Our Supreme Equine Farm Insurance has been crafted by multiple experts in the agriculture industry that cater to the risks a modern Ontario equine farmer faces.

Your policy will include coverage for the following:

  • Livestock

    Covers loss or damage to your horses, including dead stock removal, emergency vet expense, exhibition coverage, medicine, newly acquired & non-owned horses. Optional coverage available that can cover loss from colic, birth, ingestion of foreign objects, frothy bloat, splitting, and a selection of other perils.

  • Exhibition & Show Coverage

    Can provide coverage for your livestock while temporarily away from your premises or in transit to a show or exhibition.

  • Equine Farm Buildings & Contents

    Covers loss or physical damage to farm buildings, their contents, produce, feed, fertilizer and pesticides, grain and much more.

  • Supreme Farm Extensions

    A list of 33 bonus coverages that are automatically included in your policy, like the nutrient management plan, tools and equipment coverage, and cyber events.

  • Mobile Farm Machinery & Equipment

    Covers loss or physical damage to moveable equipment owned by you, or owned by others that you have control of. We can also provide coverage if you are forced to rent machinery due to an insured loss.

  • Loss of Income

    We cover the cost of lost farm income as a result of an insured loss on your equine farm (during a specified period of time).

  • Contingent Business Income

    Can cover the income lost by your business due to an interruption in your business because of a third party’s loss. For example, a fire destroys a supplier’s building and you cannot conduct business with that supplier.

  • Earthquake

    Covers loss or damage to farm buildings and farm contents as a result of an earthquake.

Did You Know We Provide Certificates of Insurance?

You may be asked to provide proof of coverage from a customer, or for a specific job. Contact your Agent or Broker, and they will help you obtain the proper information required and will provide you with an official Certificate of Insurance in a timely manner.

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Farm Liability Coverages

Liability coverage protects you in the event that another individual's body, property or reputation is damaged by unintentional actions. These could cover damages or court costs.

  • Bodily Injury & Property Damage

    Covers the financial damages owed, and cost to defend you in court when your business is found liable for injury or damage to others and/or their property.

  • Personal and Advertising Injury Liability

    Covers the financial damages owed, and cost to defend you in court, when the advertisements or newsletters produced by your company cause others a loss or injury.

  • Medical Payments

    Covers the medical expenses related to an injury caused to another on your farm’s premises (rehabilitation costs, for example).

  • Tenants Legal Liability

    Covers damages caused to the property of others if you are renting another location.

Advantages of Supreme Equine

Our programs are expertly tailored to bring you the biggest return on investment. Enjoy these advantages when you invest in a Supreme Equine Farm Insurance Program:

  • Margin Clause

    If you can show that an item increased in value since the last statement of values completed, the amount recoverable in a loss can be increased up to 15%.

  • Competitive Coverage & Rates

    We're focused on your needs. That's why our equine farm insurance policy coverage was crafted by experts in the insurance industry. With competitive coverage and rates, you'll have the coverage you need at an affordable price.

  • We keep track of the values

    Our agents and brokers will develop a ‘statement of values’ for everything on your farm. This is a very easy and convenient way of keeping track of the monetary values for the things on your farm, especially if your equine operation is always buying and selling livestock and equipment! We will review the ‘statement of values’ with you personally before renewing your insurance.

  • Waiver of Deductible

    Depending on the size of the loss, the deductible (ie. the amount that you self-insure) for your policy may be waived.

Top of page paragraph:

Protecting Ontario Equine Farmers 

As an Ontario equine farmer, you face many risks to your business. From physical damage to your farm buildings, equipment and machinery to loss of income, personal injury, property damage or other events, any loss can be devastating. Protect your assets with our Supreme Equine Farm Insurance Plan and you'll be covered for these and more. 

Callout

About our Supreme Equine Farm Insurance Program

Our Supreme Equine Farm Insurance has been crafted by multiple experts in the agriculture industry that cater to the risks a modern Ontario equine farmer faces. 

Main Text 
What does a Supreme Equine Farm Insurance Plan cover? 

Your policy will include coverage for the following: 

Livestock: Covers loss or damage to your horses, including dead stock removal, emergency vet expense, exhibition coverage, medicine, newly acquired & non-owned horses. Optional coverage available that can cover loss from colic, birth, ingestion of foreign objects, frothy bloat, splitting, and a selection of other perils.

Exhibition & Show Coverage: Can provide coverage for your livestock while temporarily away from your premises or in transit to a show or exhibition. 

Tools, Tack, and Equipment: Coverage for your tools and equipment while on premises, with some extended coverage for when they are temporarily removed or in transit. 

Equine Farm Buildings & Contents: Covers loss or physical damage to farm buildings, their contents, produce, feed, fertilizer and pesticides, grain and much more.

Supreme Farm Extensions: A list of 33 bonus coverages that are automatically included in your policy, like the nutrient management plan, tools and equipment coverage, and cyber events.

Mobile Farm Machinery & Equipment: Covers loss or physical damage to moveable equipment owned by you, or owned by others that you have control of. We can also provide coverage if you are forced to rent machinery due to an insured loss. 

Loss of Income: We cover the cost of lost farm income as a result of an insured loss on your equine farm (during a specified period of time). 

Contingent Business Income: Can cover the income lost by your business due to an interruption in your business because of a third party’s loss. For example, a fire destroys a supplier’s building and you cannot conduct business with that supplier. 

Earthquake: Covers loss or damage to farm buildings and farm contents as a result of an earthquake.

Potential Callout/Accordion
Farm Liability Coverages 

Liability coverage protects you in the event that another individual's body, property or reputation is damaged by unintentional actions. These could cover damages or court costs.

Bodily Injury & Property Damage - Covers the financial damages owed and cost to defend you in court when your business is found liable for injury or damage to others and their property. 

Personal and Advertising Injury Liability - Covers the financial damages owed and cost to defend you in court when the advertisements or newsletters produced by your company cause others a loss or injury.

Medical Payments - Covers the medical related expenses related to an injury caused to another on your farm’s premises (rehabilitation costs, for example).

Tenants Legal Liability - Covers damages caused to the property of others if you are renting another location.

Potential Callout
Advantages of our Supreme Equine Farm Insurance Program 

Enjoy these advantages when you invest in a Supreme Equine Farm Insurance Program:

Margin Clause: If you can show that the value of one particular item increased in value since the last statement of values completed, the amount recoverable in a loss can be increased up to 15%.

Competitive Coverage & Rates - We're focused on your needs. That's why our equine farm insurance policy coverage was crafted by experts in the insurance industry. With competitive coverage and rates, you'll have the coverage you'll need at an affordable price.

We keep track of the values - Our agents and brokers will develop a ‘statement of values’ for everything on your farm. This is a very easy and convenient way of keeping track of the monetary values for the things on your farm, especially if your equine operation is always buying and selling livestock and equipment! We will review the ‘statement of values’ with you personally before renewing your insurance. 

Waiver of Deductible - Depending on the size of the loss, the deductible (ie. the amount that you self-insure) for your policy may be waived.


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VIDEO: do you rent machinery? Currently on our YouTube channel)

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