QUICK QUOTE
Dedicated farm machinery insurance is essential.
Agricultural machinery is at the heart of the farm: tractors, harvesters, seeders… Their high value and essential role require tailor-made protection. Insurance brokers offer you a quick and personalized quote adapted to your agricultural reality.
Why take out specialized insurance for farm machinery?
- The high value of the equipment justifies the right coverage.
- Mechanical breakdowns or accidents can stop your production.
- Road travel exposes your vehicles to increased risks.
- You are liable for damage caused to others.
- Coverage allows for rapid return to service after a disaster.
Recommended Coverages for Agricultural Machinery
| Guarantee | Description |
|---|---|
| Accidental damage | Covers breakages related to an accident or a bad maneuver. |
| Mechanical breakdown | Protection against internal failures not related to normal wear and tear. |
| Civil liability | Covers property damage or bodily injury caused to third parties. |
| Theft and vandalism | Compensation in the event of theft of machinery or intentional damage. |
| Replacement or increased cost | Repayment based on actual value or a more advantageous established value. |
Why use an agricultural insurance comparator?
- Access multiple agricultural insurers in a single form.
- Save time while finding accurate coverage for your equipment.
- Avoid duplicate insurance with a well-adapted solution.
- Compare prices and guarantees without obligation.
- Be accompanied by specialized brokers who understand your field.
Property and Casualty Insurers – Agricultural Machinery Products
| Insurer | Products offered | Estimated 💲 cost | Satisfaction ⭐ |
|---|---|---|---|
| Promutuel | Comprehensive farm insurance including machinery | $$ | ⭐⭐⭐⭐⭐ |
| Intact Insurance | Flexible options for large agricultural equipment | $$$ | ⭐⭐⭐⭐☆ |
| Beneva | Good coverage in case of theft or mechanical breakdown | $$ | ⭐⭐⭐⭐ |
| The Capital | Accessible products for agricultural SMEs | $ | ⭐⭐⭐⭐☆ |
| The Unique | Liability Coverage and New or Used Equipment | $$ | ⭐⭐⭐⭐☆ |
Mon tracteur est-il couvert s’il est volé hors de ma ferme ?
Yes, if the contract includes theft coverage, it doesn’t matter where it is.
IN BRIEF
Farm Machinery Insurance
Agricultural producers insure tractors (often $100,000-400,000), combine harvesters ($300,000-800,000), specialized equipment (balers, seeders, sprayers). Extended coverage against theft, fire, vandalism, breakage.
Specific to agriculture: rented/borrowed equipment cover for seasonal peaks, and road traffic cover (travel between fields on the road).
Is mechanical breakdown included in the insurance?
Not always. It must be added specifically to your contract.
Est-ce que l’assurance couvre les dommages causés sur la route ?
Yes, civil liability also applies when travelling by road.
What are the main coverages in agricultural machinery insurance insurance?
A typical agricultural machinery insurance insurance policy in Quebec includes: general civil liability (damage to third parties), commercial property (building, equipment, stock), equipment breakdown, business interruption (income loss after a claim), and depending on the sector, professional liability or cyber-risks. Exact coverage varies by insurer and profile — your partner broker tailors the policy to your operations.
What exclusions should I check before signing?
The most common exclusions in business insurance: intentional acts, normal wear and tear, claims occurring before the policy period, certain catastrophic risks (flood, earthquake — often optional), mobile equipment off-site, and undeclared activities. Always read the exclusion clauses and declare all your operations to avoid claim denial.
Can I bundle my agricultural machinery insurance insurance with auto or home?
Yes. Most of our AMF-certified partner brokerage firms offer multi-product bundling. Combining business insurance with auto or home can generate a discount of 10 to 15% on total premiums, plus simplified management (one point of contact, one renewal date). At Assur360, the quote systematically evaluates the bundled option.
How does professional liability (E&O) insurance work?
Professional liability (E&O) covers errors, omissions or negligence committed in the course of your profession, plus legal defence costs. It differs from general liability (which covers bodily or property damage to third parties). Depending on your sector, E&O can be strongly recommended or required by contract (e.g. by clients or professional associations).
How long does a agricultural machinery insurance quote via Assur360 take?
The online form takes 3 minutes to fill out. You’ll then receive a call or email from an AMF-certified partner brokerage firm (member of the Chamber of Insurance) within 24 to 48 business hours with a personalized quote for your business. The quote is free and no obligation — you’re free to accept, decline, or negotiate.
Request your quick and free quote
COMPARE AND SAVE
Protect your business at the best price
Our AMF-certified brokers compare several insurers to find you the best business coverage.