Farm
The purpose of farm insurance is to cover all activities and potential risks of farm work. Our team of brokers understands the realities faced by agricultural producers and offers coverage for all your activities so that risk management is not one of your concerns.
AMR even covers gentleman’s farms, and that’s saying something!
This insurance is intended for agricultural producers: maple producers, dairy and cattle farms, hog farms, poultry farms, vegetable farms, sugar shacks and gentleman’s farms.
Types of coverage and options
Multiple coverages tailored to your situation.
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Civil liability
No matter the services you offer, the products you sell or the location of your business, we can cover your civil liability. Civil liability protection follows you step by step and protects you in the event of accidental damage to other people or their property. This coverage is your proof of solvency! This insurance will also protect you if an accident occurs on your company’s premises or if damages are caused to the property of others.
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Building and contents
In the event of damage caused by fire, theft, vandalism or any other risk, your building will be covered—if, of course, you are the owner of the building. This protection can also include your company buildings, their contents, leasehold improvements (if you are the tenant of the space) and your computer equipment, as the case may be. It is important to be aware of the exclusions mentioned in the contract.
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Operating loss
Operating loss insurance covers a decrease in revenue if you have to interrupt your operations or relocate due to an incident, such as a fire. This protection can also include additional costs that may be significant during an incident. This protection allows you to keep your earnings in place until your income returns to normal. Coverage is for 12 months, but it is possible to obtain 18 or 24 months of coverage. It is important to verify the number of months needed and the time frame for replacing your equipment.
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Equipment breakdown
With this type of insurance, your company will be protected against losses caused by equipment breakdown (heating, air conditioning, refrigeration, production or transformation machinery, electronic or electrical devices). It is important to be aware of the exclusions mentioned in the contract.
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Agricultural machinery and tools
This protection covers damages caused to your agricultural equipment, tools and machinery in the event of an incident.
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Livestock and cattle insurance
You can get coverage for your farm animals (beef cattle, dairy cows, horses, pigs, sheep, goats) in case of loss due to an incident.
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Farm product insurance
As an agricultural producer, your crops are the fruit of your hard labour. There are coverages available to protect what you produce or process as well as the products you may need to produce a product.
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Milk contamination
Milk is sometimes contaminated by the presence of antibiotics that the animal has taken. In such cases, the entire batch must be discarded. This insurance protects you against the loss of milk, and also covers your liability if the product has been delivered.
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Undeveloped farms
These farm operations are often more personal than commercial in nature. This insurance protects you from unexpected events.
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Additional expenses
This insurance protects you in case of farm machinery breakdown. Since it is difficult to replace these machines quickly, there is coverage for losses during this transitional period.
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Weight of snow
The risk of collapse due to the weight of snow is not always included in insurance policies. Adding this extra coverage will protect your farm buildings and their contents from possible damage.
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Cybersecurity
Cybersecurity protection protects you from the consequences of theft, hacking, or data loss. This protection may cover information theft, such as payroll fraud or attempted fraud. Cybersecurity protection is now important in all lines of business.
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Commercial vehicle
Commercial vehicle insurance is determined by how you use your vehicle(s). Our protections are suitable for all types of commercial vehicles, ranging from a fleet of trucks or cars to a single vehicle used for your company or for your personal use.
Think about it!
Our independent brokers are insurance experts. But that’s not all!
Our team of independent insurance brokers doesn’t copy and paste coverage from one industry to another. AMR has experts for each line of business that we insure and is committed to providing coverage tailored to your activities.
No matter your agricultural sector, there is an insurance product that will cover your buildings. It is also possible to cover your personal residence on your farm insurance policy.
With regard to your contents, it is important to take an inventory of your farm equipment, merchandise, perishable products, harvests, etc. It is also possible to cover your animals.
Business interruption coverage is very important for farmers. The time of year in which the loss takes place can jeopardize your agricultural business. Therefore, it is important to know your busy seasons and receive advice in order to get the right coverage and protect your income.
To ensure that you have the right farm liability coverage, it is important to declare all your activities to your insurance company in order to be properly covered These activities include services to your neighbours, snow removal, vehicle storage in your unused buildings and so on. No matter your situation, we can cover your agricultural business.
you have a fleet of farm vehicles that you use to transport merchandise or animals, you should consider farm vehicle insurance.
Other option
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New value/replacement value
This coverage allows you to replace your property that has been damaged without deduction for depreciation. The premium will be determined based on the new value. It is important to be aware of the exclusions mentioned in the contract.
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Earthquake
With this coverage, you will be protected in the event of an earthquake that damages your commercial building and its contents. This protection is becoming increasingly valuable in the face of climate change.
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Water damage
With this coverage, you will be protected in the event of water damage to your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
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Flood
With this coverage, you will be protected in the event of water flooding that damages your commercial building and its contents. It is important to be aware of the exclusions mentioned in the contract.
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Sewer backup
The name says it all! This protection covers you against sewer backup in your commercial building. The contents will be protected and you will be compensated for decontamination, building repairs and content replacement. It is important to be aware of the exclusions listed in the policy and to have high enough amounts to cover this type of expense.
Tips and advices
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
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