Farm Insurance
It Takes a Farm Family to Know Life on the Farm.
BCM was founded in 1880 by farmers who needed affordable, reliable coverage that the big-city insurers would not offer. 146 years later, we are still a mutual insurer, still owned by our policyholders, and still deeply connected to the agricultural community that started it all.
What's Covered
Farms face risks that home and business policies don't address.
Barns and Farm Structures
Coverage for your barns, silos, greenhouses, processing facilities, and other farm buildings. Whether it is a century barn or a modern poultry house, we will ensure it is properly valued and protected.
Machinery and Equipment
From tractors and combines to irrigation systems and hand tools, your equipment is essential to your operation. Coverage can include breakdown, theft, and damage both on and off your property.
Produce and Crops
Protection for your harvested produce, stored crops, and inventory. Especially important for Niagara's tender fruit and grape growers, where a single weather event can affect an entire season's yield.
Livestock
Coverage for cattle, poultry, horses, and other livestock against covered perils including disease, accidental death, and theft.
Farm Liability
Protects you if someone is injured on your property, if your livestock cause damage, or if a product you sell causes harm. Covers agri-tourism activities, farm markets, and U-pick operations.
Local Knowledge
Insuring Niagara's Farms
The Niagara Region is one of the most diverse agricultural areas in Ontario, and our farm specialists understand the specific risks that come with each type of operation.
Get a QuoteTender Fruit and Vineyards
Niagara's unique microclimate makes it ideal for peaches, cherries, and wine grapes, but spring frosts and severe weather can devastate a crop.
Greenhouse Operations
Distinct risks including equipment breakdown, environmental control failures, and high replacement costs for specialized structures.
Mixed and Diversified Farms
Your policy needs to reflect every part of your operation: crop production, livestock, agri-tourism, and on-farm retail.
Century Farms
Older farm structures have unique considerations. Our Loss Prevention Team can assess heritage buildings and help manage associated risks.
Loss Prevention
Loss Prevention on the Farm
Our team will visit you at your farm to provide recommendations on preventing losses on your property.
This includes inspecting barns and outbuildings, reviewing electrical systems, assessing fire risks, and using thermal imaging to detect hotspots that could indicate hidden hazards.
As a mutual insurer, we work to help you prevent losses and keep you protected over the long term. These services are provided at no charge to BCM policyholders.
Your Advisors
Meet Our Farm Specialists
Our farm insurance advisors are people who grew up in Niagara's farming community and understand the realities of life on the farm.
Ready to protect your farm?
Whether you run a small family farm or a large commercial operation, our farm specialists will take the time to understand your needs and build coverage that fits.