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Farm Insurance

Farm Insurance

Your farm is your livelihood, and while Ontario farmland is some of the best in the country, it doesn’t come without risks. Farm insurance is a commercial insurance product designed for the agricultural industry. This is a unique product as it provides bespoke protection for the various elements of life on a farm, including:

  • Buildings and detached structures
  • Equipment and machinery
  • Livestock
  • Commercial auto
  • Agriculture aviation
  • Liability

Ron Johnston Insurance offers many bundling options, making it simple for homeowners with farmland to protect their assets without overspending.

Why Buy Farm Insurance with Ron Johnston?

For more than four decades, Ron Johnston Insurance has served the people of Ontario in a broad range of agriculture insurance services.

Being a local business, our team of experienced brokers know we aren’t just serving clients, but friends and neighbours. We strive to provide the greatest level of protection on all farm insurance policies while meeting your budget needs with every quote.

When you work with Ron Johnston Insurance for your agriculture insurance, you work with a team who believes in:

  • Above and Beyond – Our brokers work around the clock to find the best deals for farmers. We aren’t satisfied until we know all your needs have been met, and you have peace of mind about your farm.
  • Express Claims – We offer express claims on our farm insurance for accessibility and convenience.
  • Customer Satisfaction – Your satisfaction is important to us. Our business is protecting you and your farm. If you aren’t satisfied, we aren’t doing our job right.

What Does Farm Insurance Cover?

At Ron Johnston Insurance, we know that farm managers are busy enough without also worrying about financial risk 24/7. Fortunately, our agriculture insurance policies cover a wide range of standard and extended protection options, including:

Property Damage

The buildings on your property run the risk of damage from fire, inclement weather, explosion, theft, vandalism, or falling objects. This includes:

  • Barns
  • Farmhouses
  • Unattached structures like fences, decks, sheds, and docks.
  • Farmland
  • Belongings inside on-site structures.

Property damage coverage helps pay for repairs, replacements, or necessary upgrades. This saves you money spent on unforeseen costs, so you can continue running your farm.

Not all property damage is covered in a standard agriculture insurance policy. If you are worried about potential flooding, tornadoes, earthquakes, or pest control issues, speak to your broker about extended policy options.

General Liability

No matter how well-trained your employees are with safety precautions, mistakes on a working farm can happen. General liability protection ensures you are covered if someone is injured by or on your property.

An example of a general liability issue could be an employee working with livestock and getting kicked or bitten. If that employee requires medical attention above Canadian medical coverage, your insurance policy helps manage these costs.

General liability also covers damage caused by products manufactured by your company. Suppose a customer claims the milk they purchased from your farm was spoiled and caused food poisoning. In that case, your general liability insurance acts as a financial buffer against court costs and other fees associated with the claim.

Loss of Income

Even successful farms have bad yields from time to time. If weather, animal illness, property damage or other unforeseen perils cause farm closures or unusable products, you are protected against loss of income. Your insurance will cover costs like:

  • Rent or mortgage payments
  • Hydro and water bills
  • Livestock feed

This coverage is meant to help with bills and upkeep until income returns to normal and your farm is self-sufficient once more.

There are limitations to loss of income coverage with farm insurance. Most insurers won’t cover crop spoilage or loss. Being thorough when you select agriculture insurance is the best way to ensure you have all the protection you need if a problem arises.


Animals are unpredictable, which is why your livestock coverage helps pay for medical issues, and replacement if animals get lost, pass away, or stolen.


Farms use multiple types of equipment to function every day. From tractors and plows to combines and seeders, your equipment is covered against damage or loss.

Frequently Asked Agriculture Insurance Questions

At Ron Johnston Insurance, we work with farmers across Ontario, and we understand how much goes into running an agriculture business. It is important that you understand everything we do about your farm insurance policy before you select the right one for your business. To help you get better acquainted, we’ve included some of our most frequently asked agriculture insurance questions.

I’m not a full-time farmer; do I still need farm insurance?
How do I know if I qualify for farm insurance?
Am I covered with agriculture insurance if I board horses at my farm?

Are you interested in learning more about farm insurance products offered by Ron Johnston Insurance? We are always happy to help a new or returning client. If you want details on our agriculture insurance options, we invite you to call us at 1-705-325-6200.

J Jim Cameron

I really enjoy dealing with my broker at Ron Johnston insurance. Neil McKendrey has helped so much, with all of my commercial insurance needs for running my business! I would highly recommend dealing with RJI for their great quality of service!

J Jeff Sieger

Their whole staff is great, and Chris is a lifesaver. Strongly recommend them!

F Fred Sansolita

Ron insurance we're really professional people and help me out greatly with my policy

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