Tuesday, May 18, 2021


farm claims assessments southern ontarioFarm risks present a unique combination of risks that span across many lines of business. Farm risks have exposures that combine personal and commercial property and automobile risks, along with commercial general liability and the exposures related to operating a business. Unique to this line of business is the stock that farms may produce and store, the insurance required to protect crops, and the host of heavy and unusual equipment required to run farm operations. As well, many farms take part as a shipper of goods and products that have been produced by their business, which can relate to transportation and cargo claims previously discussed in this website.

The founder of HCI is originally from a rural community and is familiar with the operation of farm businesses, and had first-hand experience working on farms of different production during his younger years. This exposure, combined with our farm claims handling experience, provides our company with a unique understanding of farm operations.

Farm claims can include,
but are not limited to, the following:

  • Windstorm damage
  • Water damage
  • Stock spoilage
  • Fire losses
  • Theft
  • Power surge and lightning strike
  • Equipment damage
  • Mechanical breakdown
  • Business interruption
  • Crop damage
  • Product liability

HCI understands the complexities of these claims and has the resources and solutions to
resolve these matters in an effective and affordable manner, while maintaining a positive
customer service experience for insurers’ policyholders.