Farm business insurance
Univesta is a seasoned farm insurance broker, ready to meet the specific needs of your operation — whether it’s a family farm or a large-scale one.
Grow a little peace of mind
Your farm matters — to you, and to the whole community around you. That’s why our solutions cover the full picture: your buildings (barns, stables) and equipment, right through to your animals, your products, your lost income, and your civil liability.
At Univesta, we know the challenges your industry throws at you. Our team puts the right coverage in place to keep things running season after season. Whether you run a market garden, a dairy or hog operation, a grain farm, a sugar bush, or any business that adds to Québec’s farming heritage, we’re here to watch your back.
Down-to-earth coverage
In farming, no two operations are alike. To point you in the right direction, we’ve gathered the essential coverages for protecting what you’ve built below.
Because every operation is different, we’d also encourage you to call our specialists for tailored advice and to build the exact coverage your business needs.
Farm building and equipment insurance
Protects your barns, stables, and machinery against physical damage, so production doesn’t grind to a halt.
Farm animal insurance
Covers the loss or death of your livestock from accidents or major incidents.
Farm product insurance
Protects the value of your inventory, seed, and crops before they reach market.
Soil cleanup costs
Covers the cost of decontaminating and cleaning up your land after an accidental spill.
Farm civil liability
Protects you against lawsuits and financial claims tied to damage your operations cause to others.
FAQ
Have questions about your coverage? Find quick answers to the ones we hear most often.
If your situation needs a closer look, or your question isn’t here, our team is happy to help. Reach out for answers tailored to you: 1 833 789-9203.
Yes — certain coverages exist for this kind of risk. They can include cleanup costs on the farm site after a loss, as well as environmental damage to property the insured doesn’t own.
With some insurers this is generally included when the building is insured under a broad form; with others, it has to be added by specific endorsement. It’s worth confirming the details of your own policy.
Yes, a sugar bush can be insured. Coverage can include:
- buildings (e.g. the sugar shack, boiling house, pumping stations)
- equipment
- products
- lost income
- civil liability arising from operations
Because the production season is short, having the right coverage in place really matters.
Yes, these risks can be covered — though the terms vary by insurer and by the specifics of the risk. It’s important to check what’s covered and add protection where needed.
Yes, contract-work activities can be covered under certain conditions. The insurer needs to know:
- the nature of the work performed
- the income it generates
- the farm equipment used
A full disclosure lets the insurer tailor coverage to this kind of work.
Why work with a business insurance broker
An independent broker works for you, not for an insurer — comparing offers, advising you, and standing up for your interests at every step.
Access to multiple insurers
Your broker shops the market for you across a range of insurers and brings you the best options. The result: coverage that genuinely fits the way you do business.
Advice built around you
No off-the-shelf solutions here. Our experts look at your situation, the risks in your sector, and what you actually need, then recommend coverage that’s right-sized — neither too much nor too little.
An ally at claims time
When something happens, your broker is on your team — guiding you through the claim, defending your interests with the insurer, and making sure your business gets everything it’s entitled to.
What matters to you matters to us.
We take the time to really understand your situation, so we can protect you better.