As an Ontario greenhouse farmer, you face many risks to your business. From physical damage to your greenhouse 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 Greenhouse Farm Insurance Plan and you'll be covered for these and more.
Supreme Greenhouse Farm Insurance
Our Supreme Greenhouse Farm Insurance has been crafted by multiple experts in the agriculture industry that cater to the risks a modern Ontario greenhouse operator faces.
Your policy will include coverage for the following:
- Greenhouse Buildings & Contents
Covers loss or physical damage to greenhouse and farm buildings, their contents, produce, feed, fertilizer and pesticides, grain, and much more.
- Product Recall
Can cover reasonable expenses related to removing your produce from store shelves and notifying consumers.
- Consequential Loss for Refrigerated Produce
Damage caused to product by the sudden change in temperature from a refrigeration unit.
- 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 can provide coverage if you are forced to rent machinery as a result of an insured loss.
- Loss of Income
We cover the cost of lost farm income as a result of an insured loss on your greenhouse 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.
Covers loss or damage to greenhouse and 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 provide you with an official Certificate of Insurance in a timely manner.
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 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 Greenhouse
Our programs are expertly tailored to bring you the biggest return on investment. Enjoy these advantages when you invest in a Supreme Greenhouse 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 was 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 greenhouse 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 greenhouse operation is always buying and selling equipment! We will review the ‘statement of values’ with you personally before renewing your insurance.
- No Coinsurance Penalties
- 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.
Insurance That Works As Hard As You
Please contact us and Get Started Today! One of our agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our agents are happy to help provide you with information, so you can make the best decision—For You.