Archives -

It is November, what if you experience a total loss that you always thought would never happen to you and now your property is burnt to the ground. Without actual quotations from a Contractor or an Appraiser, you do not know with absolute certainty what the limit of coverage on your policy should be. Even …

If your farm hires help over the course of the year, you better make sure you have Employers Liability coverage on your farm insurance program. Being that you have hired labor working for you on your farm, legally you have a duty to take care and provide a safe working environment for them. If you …

Hazardous Materials on the farm is an important issue today. The world is becoming more and more sensitive to anything that can potentially cause environmental harm. Insurance policies may or may not pay for the clean up costs of spilt fuel. It all depends on the situation. If there is damage to property that is …

Right at the top of every farm or business insurance policy is the “Named Insured”. Simply put, this is who can make a claim against this policy if they have an insurable interest, meaning they have a financial tie to the property and operations that the policy is covering. Typically, the name will be the …

You have a farm policy insuring your farm machinery, you happen to have a little extra time and you seize an opportunity, you go out and do some custom work. Great idea, is it? There are three coverage issues that need to be dealt with before you go ahead and do this, machinery floater, machinery …

An insurance broker – who works for the client and not an insurance company – can help you get a suitable insurance policy at the best price. Here’s the big question: Do you have the right insurance coverage on your policy? If the answer is I am not sure, think about this. Who do you …

Farm and Commercial policies cover the electrical, mechanical and other equipment used in most operations against fire, theft and other events. But most property policies specifically exclude losses arising from a far more common problem, equipment breakdown, which includes electrical injury, mechanical breakdown, pressure explosion, rupture and cracking. So any business operation that use pressure, …

It is that time of year again. Decisions needing to be made about Crop Hail Insurance are here. I am going try to clarify a few things (or confuse you). Crop Hail Insurance comes in many different forms. Hail insurance can be purchased with no deductible, which are the basic form, or percentage and disappearing …

If we stop to think for a minute we can all think of Canadian Companies that have filed applications for and received protection from creditors under Chapter C-36 of the Bankruptcy and Insolvency Act, Companies Creditors Arrangement Act. If we think a little further we can come up with examples of Canadian Companies that have …

ATV’s are being used more and more on the farm, you see them in many yards and in many fields. These units are very important to your farm and are quite expensive to purchase. Sometimes these machines are left out in the field for many hours and from time to time they are even left …