Farm Insurance in Guelph, Ontario

Protect your livelihood from loss and damages.

At Jeffery & Spence Insurance, we understand that your farm is your livelihood. Whether you need protection for your crops, your livestock, or your equipment, our team will work with you to tailor your insurance coverage to fit the specific needs of your farm.

Every farm is different, and we highly recommend contacting one of our insurance experts to ensure you have proper coverage. Our brokers will take the time to get to know you and your business, so you can have peace of mind that you are adequately protected.

Our Years of Expertise

Since 1927, the team at Jeffery & Spence Insurance Brokers have provided reliable commercial insurance services to a variety of farms in the Guelph-Wellington area and across Ontario. Our professional brokers will provide you with expert advice and guidance, and will locate the right business insurance coverage for your farm.

Request a commercial insurance quote today.

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Do I Need Farm Insurance?

When it comes to determining whether you need farm insurance, there are a few things you should ask yourself:

Does your farm own animals?

Owning animals like horses, cows, sheep, and chickens requires farm liability insurance. Animals are a big investment, especially if they are the main source of income on your farm, and they can be expensive to replace if anything happens to them.

Does your farm have a large barn?

Large outbuildings like barns or storage buildings are common on farms, especially large farms with many acres. Whether you’re using these buildings for machinery or as a home for your animals, your barn must have insurance coverage.

Still have questions?

Farmers Insurance Coverages

The Jeffery & Spence team are true professionals who are dedicated to making sure you have an awesome experience. Working with their team has been great and I would highly recommend them to anyone! 10/10 - keep up the great work Jeffery & more
Ryan Vielma
Ryan Vielma
21:03 15 Feb 19
My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful more
Ashlean Richardson
Ashlean Richardson
17:50 27 Nov 18
Have been with them for ages and wouldn't hesitate to recommend them to anyone. I have also gladly referred friends to them and they have taken good care of them as well!read more
Jason Shaw
Jason Shaw
20:38 02 Jan 18
شركة تامين لا باس
03:57 11 Feb 19
unbelievable service, literally saved a client of mine from a major catastrophe, highly recommend. Kyla was amazing
Andra Arnold
Andra Arnold
17:19 18 Apr 19
Excellent Customer service and communications, staff here makes me feel like part of the J&F family, highly recommend!
Rain Zhang
Rain Zhang
14:21 29 May 19
Excellent Customer service and communications, staff here makes me feel like part of the Jeffery&Spence family, highly recommend!read more
Rain Zhang
Rain Zhang
14:39 29 May 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Ashlean made shopping for insurance so easy and stress free! From start to finish she was courteous and professional, listened to our needs and communicated with us every step of the way, all while finding us the best ratesread more
Chloe McKnight
Chloe McKnight
22:42 22 Jul 19
The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage and at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call....even if your not from Guelph!read more
Corey Pavao
Corey Pavao
13:59 23 Oct 19
So over the moon happy with these guys. Specifically Dave. I was a first timer today, extremely nervous about taking another step toward “audulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Where as other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million more
Jaymee Indoe
Jaymee Indoe
18:55 21 Nov 19
Ashlean is so great to work with and she makes insurance easily accessible. I love all of the work they do in the community too. Check them out!!!read more
Heather Smart
Heather Smart
16:41 01 Dec 19
Awesome service! Jeffrey helped me find a solution for my insurance ASAP after I had such a poor experience with my previous more
Jennifer A-M
Jennifer A-M
04:25 04 Dec 19
Expedient, professional and tailored to my needs. Highly recommend.
Annie Wong
Annie Wong
15:38 10 Dec 19
Met with Dave Jutzi and he was an absolute pleasure to work with! He created a plan to MY needs and MY budget! No pressure on me whatsoever and he really looked out for my best interest. If you're looking for extremely affordable auto and home insurance, DEFINITELY go see Dave!read more
Simon McGhee
Simon McGhee
16:38 21 Jan 20
My only regret was not calling them sooner. Ashlean Richardson went above and beyond for my company. I felt like they took me and my time very seriously and I appreciated that. Would highly recommend to my friends and more
Kevin Wilkins
Kevin Wilkins
13:40 14 Apr 20
Ashlean was great to work with she was very helpful and prompt with all her responses; she was able to make a stressful situation go by very smoothlyread more
Haily Rice
Haily Rice
16:09 29 May 20

Farmers Insurance Coverages

Your farm owner’s insurance policy is designed to cover the liabilities and property associated with your farming activities. These items may include, but are not limited to:

  • The farm structures on your property. Depending on your type of farm, you may have a primary residence or dwelling, in addition to a number of outbuildings like barns and storage buildings. It is important that all of these structures are properly protected.
  • Your farming equipment. The equipment that you use to run your farm is expensive and important to protect. We can provide farm vehicle insurance for trucks, tractors, and other valuable farm equipment.
  • Your livestock. If you are raising animals on your farm, then you know that they will sometimes get sick or injured. It is important to have coverage for them.
  • Your crops or produce. When growing produce, you find yourself at the mercy of the elements and the seasons. Make sure that your crops are covered in case of a sudden drought, pests, or unexpected freeze that might ruin your harvest.
  • Liability coverage for your farm. Similar to any other business, it is important to have liability coverage on a farm, in case of accidents that cause bodily injury or property damage.

Types of Farm Insured

At Jeffery & Spence, we can provide insurance for a variety of different farms in Ontario, including:

  • Cash crop insurance
  • Cattle farm insurance
  • Dairy farm insurance
  • Grain farm insurance
  • Hobby farm insurance
  • Horse farm insurance
  • Poultry farm insurance
  • Vegetable farm insurance
  • And more

Each farm will have its own unique needs and distinct challenges. For example, if you own a cattle farm or a dairy farm, you’ll need to make sure that your livestock is protected from injury or disease. If you own a cash crop or vegetable farm, on the other hand, you’ll want to be prepared for bad weather conditions that could harm your crop yields and harvest.

Our farm insurance experts will walk you through all the risks that your farm is likely to face and help build a policy that matches your specific needs.

Build an insurance policy for your type of farm with our team today.

Frequently Asked Questions About Farm Insurance

Farming is a unique business which requires a unique form of insurance. Whether you’re considering purchasing a farm or are looking for insurance options for your current farm, making sure you have the right coverage is essential for protecting your business and livelihood.

What does a basic farm insurance policy cover?

Farm insurance differs slightly from provider to provider, but typically, a basic farm insurance policy will cover:

  • Home coverage for your dwelling if on the property
  • Personal property
  • Farm structures
  • Machinery
  • Livestock
  • Product
  • Poultry
  • General liability
  • Pollution liability protection
  • Theft

This basic coverage typically includes the necessities and is a great option for people who are just starting out. However, there are some other options for farm insurance coverage that are not included in a basic plan.

What customizable coverage options are available?

Once you’ve chosen a basic insurance plan for your farm, it’s important to consider additional options. These can include:

  • Replacement cost coverage
  • Sewer backup
  • Comprehensive water coverage
  • Loss of use of farm machinery
  • Power interruption
  • Loss of income protection
  • Increased fire department charges
  • Employer’s liability and voluntary compensation for employees
  • Farm accident insurance

Your insurance broker will be able to guide you through the various options and help you determine if they would be beneficial to add to your farm policy.

What farm properties are covered?

When it comes to farm insurance, the term “farm” covers a wide range of agricultural and commercial properties.

Typically, farm insurance policies cover and have specific options for poultry farms, dairy farms, grain farms, ranches, berry farms, orchards, mixed farms, and wineries. Marijuana farms are not covered unless they are licensed by Health Canada, and hobby farms often require a special form of insurance that is added to your home insurance. Contact the team at Jeffery & Spence to learn more.

For answers to all your farm insurance related questions, contact the experts at Jeffery & Spence Insurance. Our brokers will take the time to understand your unique situation to ensure that you are properly protected.

Contact the farm insurance experts at Jeffery & Spence today to discuss your options.