Farm Liability Insurance

Farmers face unique and evolving liability risks that may result from their actions, products, or services. Get the right liability protection by covering legal costs and judgements related to such claims.

Farming operations are exposed to a wide range of liability risks that can quickly lead to significant financial loss if left unprotected. From customer or employee injuries and damage to neighbouring property to claims related to products sold or services provided, even a single incident can result in costly legal action. First Acre’s farm liability insurance is designed to respond to these challenges by covering legal defence costs, settlements, and court-awarded damages tied to third-party claims.

Comprehensive Liability Protection for Farms

First Acre’s liability coverage is built specifically for agriculture (ag), offering strong, flexible protection without a general aggregate cap. It’s peace of mind for farmers and a smart, dependable option for brokers looking to offer tailored ag solutions.

By integrating personal, commercial, and agricultural liability into a single policy, First Acre reduces coverage gaps and simplifies risk management. For brokers, it streamlines policy management and provides clients with broad support across claims like medical payments, tenant’s legal liability, and advertising liability. It’s a complete, farm-ready solution designed to keep operations protected and policies easy to manage.

What Does First Acre Liability Insurance Cover?

First Acre’s farm liability insurance provides comprehensive protection against a wide range of real-world risks that arise from agricultural operations including:

Bodily injury to third parties (e.g., visitors, customers, contractors)
Property damage caused by farm operations, equipment, or livestock
Legal defence costs, settlements, and court-awarded damages
Product liability related to goods produced or sold by the farm
Seedman’s and misc. Errors and omissions
Personal and advertising liability (e.g., claims of libel or misrepresentation)
Medical payments for minor injuries regardless of fault
Tenant’s legal liability
Forest fighting expenses
Voluntary payment for damage to property
Voluntary compensation for residence employees
Employer liability

Who is Liability Insurance for?

Liability insurance is essential for individuals and businesses involved in agricultural production, land-based operations, and those advising or supporting these operations. This includes:

Crop and livestock farmers
Agri-businesses (e.g., farm visits, events, pick-your-own operations)
Farmers selling products directly to consumers or retailers
Farm landowners leasing property for agricultural use
Custom farming operations
Crop, fruit, and vegetable farmers
Insurance brokers and advisors who need tailored, agriculture-specific liability solutions for their clients

The Advantages of Our Liability Insurance for Farms

First Acre offers a wide range of benefits to help farms including:

Liability Insurance Differentiated for Ag

By thoroughly understanding the various needs within ag insurance, First Acre has no general aggregate which means no capped claim payout in an insurance policy period, helping farmers manage repeated exposures within one policy period.

Protect Everything Together

With First Acre, property insurance, personal, ag and commercial are insured on one single policy where liabilities are covered in one place and assessed as a whole. This approach ensures all on-farm operations are evaluated together, reducing administrative complexity.

Various Types of Claims Supported

With First Acre, various types of insurance claims are supported, This ensures farmers are equipped to handle both common and highly specific liability risks associated with modern agricultural operations.