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Dairy Farm Insurance

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

As an Ontario dairy farmer, you face many risks to your business. From loss of livestock and natural disasters to liability due to contamination, personal injury, property damage or other events, any loss can be devastating. Protect your assets with our Supreme Dairy Farm Insurance Plan and you'll be covered for these and more.

Supreme Dairy Farm Insurance

Our Supreme Dairy Farm Insurance Program has been crafted by multiple experts in the agriculture industry that cater to the risks an Ontario dairy farmer faces.

Your policy will include coverage for the following:

  • Livestock

    Covers loss or damage to your cattle, including dead stock removal, emergency vet expense, exhibition coverage, medicine, newly acquired & non-owned livestock. Optional coverages available to cover damages caused by heat prostration.

  • Dairy Farm Buildings and Contents

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

  • Milk Contamination

    Covers the costs of milk that you are forced to dump because of contaminants present in the milk.

  • Contingent Milk Loss

    Covers the costs of milk that spoils as a result of the  failure of the milk pick up by a third party (i.e., Milk Truck).

  • Supreme Farm Extensions

    A list of 33 bonus coverages that are automatically included in your policy, including the nutrient management program, tools & equipment coverage, semen/embryo tank floater, 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 due to an insured loss.

  • Loss of Income

    Covers  the cost of lost farm income as a result of an insured loss on your dairy 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 provide you with an official Certificate of Insurance in a timely manner.

Get a Quote

Farm Liability Coverages

Liability coverage protects you in the event that another individual's body, property or reputation is damaged by unintentional actions, or if you are involved in a collective contamination incident. These could cover liability, 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.

  • Third Party Milk Contamination

    Covers your liability if milk from your tanks are contaminated and get mixed with the milk of other farms, resulting in a collectively contaminated milk supply.

Advantages of Supreme Diary

Our programs are expertly tailored to bring you the biggest return on investment. Enjoy these advantages when you invest in a Supreme Dairy 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 dairy 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 can develop a 'statement of values' for everything on your farm. This is an easy, convenient way to keep track of monetary values for things on your farm - especially if your dairy 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 (i.e., the amount that you self-insure) for your policy may be waived.

Allison's edited copy

Top of page paragraph:

Protecting Ontario Dairy Farmers

As an Ontario dairy farmer, you face many risks to your business. From loss of livestock and natural disasters to liability due to contamination, personal injury, property damage or other events, any loss can be devastating. Protect your assets with our Supreme Dairy Farm Insurance Plan and you'll be covered for these and more.

Callout

About our Supreme Dairy Farm Insurance Program

Our Supreme Dairy Farm Insurance Program has been crafted by multiple experts in the agriculture industry that cater to the risks an Ontario dairy farmer faces.

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

Your policy will include coverage for the following:

Livestock: Covers loss or damage to your dairy cattle.

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

Milk Contamination: Covers the costs of milk that you are forced to dump because of contaminants present in the milk.

Contingent Milk Loss: Covers the costs of milk that spoils as a result of the failure of the milk truck to pick it up, or if .

Supreme Farm Extensions: A list of 33 bonus coverages that are automatically included in your policy, including nutrient management program, tools & equipment coverage, semen/embryo tank floater, 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. Also can provide coverage if you are forced to rent machinery as a result of an insured loss.

Loss of Income: Covers cost of loss farm income as a result of an insured loss on your dairy 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, or if you are involved in a collective contamination incident. These could cover liability, 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 Injury and Advertising 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.

Third Party Milk Contamination - Covers your liability if milk from your tanks are contaminated and get mixed with the milk of other farms, resulting in a collectively contaminated milk supply.

Potential Callout

Advantages of our Supreme Dairy Farm Insurance Program:

Enjoy these advantages when you invest in a Supreme Dairy 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 dairy 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 can develop a 'statement of values' for everything on your farm. This is an easy, convenient way to keep track of monetary values for things on your farm - especially if your dairy 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 (the amount that you self-insure) for your policy may be waived. 

Video/blog idea

VIDEO/BLOG: 6 Things for dairy farmers (currently on our Youtube Channel) VIDEO: Do you rent machinery? (currently on our Youtube Channel)

SUPREME DAIRY FARM INSURANCE (farm)

About our Supreme Dairy Farm Insurance Program:

Our Supreme Dairy Farm Insurance has been crafted by multiple experts in the agriculture industry that cater to the risks that are faced by the modern Ontario dairy farmer. We would have a hard time listing all the benefits on one page - talk to one of our agents or brokers for all the benefits of the Supreme Dairy Farm Program.

Included Coverages: Livestock: covers loss or damage to your dairy cattle. Optional coverages available to cover damages caused by birth, Dairy Farm Buildings & Contents: covers loss or physical damage to farm buildings, their contents, produce, feed, fertilizer & pesticides, grain, and much more.

Milk Contamination: covers the costs of milk that you are forced to dump because of contaminants present in the milk.

Contingent Milk Loss - covers the costs of milk that spoils as a result of the failure of the milk truck to pick it up, or if .

Supreme Farm Extensions - a list of 33 bonus coverages that are automatically included in your policy, including nutrient management program, tools & equipment coverage, semen/embryo tank floater, 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. 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 loss farm income as a result of an insured loss on your dairy 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.

Farm Liability Coverages:

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 Injury and Advertising 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.

Third Party Milk Contamination - covers your liability if milk from your tanks are contaminated and get mixed with the milk of other farms, resulting in a collectively contaminated milk supply.

Advantages of our Supreme Dairy 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 - our dairy insurance policy coverage has been crafted by experts in the insurance industry that focus on your dairy farm's needs at an affordable price. We keep track of the values - our agents & 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 dairy operation is always buying & selling livestock & equipment! We will review the 'statement of values' with you personally before your insurance renewal. 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. VIDEO/BLOG: 6 Things for dairy farmers (currently on our Youtube Channel) VIDEO: Do you rent machinery? (currently on our Youtube Channel)

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.

Get Started Today

(519) 632-7413 Contact