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Assurance agricole 2026

Assurance exploitation céréalière au Québec

Vous cultivez blé, maïs, soya, canola ou avoine ? Protégez vos silos, votre machinerie et votre récolte. Comparez 9+ assureurs spécialisés, soumission gratuite en 3 minutes.

Obtenir ma soumission gratuite →

Do you operate a cereal farm in Quebec? Between the hail that can wipe out a season, the fire of a full silo, the breakage of a $600,000 combine harvester and the civil liability to your seasonal employees, your financial exposure is massive and concentrated on 4 critical months. Assur360 is an independent comparator that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 insurers specializing in agriculture to find the right coverage for your operation, at the best price and at no cost.

SOUMISSION GRATUITE 2026

Assurance exploitation céréalière au Québec

Comparez 9+ assureurs spécialisés en agricole, en moins de 3 minutes

Obtenir ma soumission gratuite →
9+
Insurers Compared
3 min
Online Quote
$2 to $5 million
Civil liability
100 %
Free, no obligation

Essential Coverages

Storage buildings and silos

Barns, dryers, grain silos, machinery sheds — fire, lightning, water damage, wind and hail cover. Recommended limit: Rebuild value to new.

Machinery and Equipment

Combine harvesters, tractors, seeders, planters, sprayers. Coverage for mechanical breakdown, fire, theft and collision on the road between fields.

Growing and stored harvesting

Supplement to La Financière agricole (FADQ) crop insurance: uncovered losses, price differences, loss of post-harvest storage (silo fire, infestation, heating).

General liability $2 million to $5 million

Bodily injury or property damage to third parties: visitors, delivery people, seasonal employees, accidents on the road with machinery.

Stored inputs (seeds, fertilizers, fuel)

Stock of inputs kept on the farm: fertilizers, certified seeds, herbicides, agricultural diesel. Covers theft, contamination and loss by fire.

Business interruption

If a major disaster prevents harvesting or destroys your main silo, the business interruption compensates for lost revenue and fixed costs during reconstruction.

Job-specific risks

Risk profile of the profession

Cereal farmers concentrate the year on critical windows (spring sowing, autumn harvest). A breakdown of machinery in the middle of the harvest or a fire in a full silo can destroy 12 months of revenue in a few hours.

Articulation with the FADQ

La Financière agricole du Québec’s public crop insurance covers yields and income. A private policy COMPLEMENTS: machinery, buildings, RC, inputs — which the FADQ does not cover.

One comprehensive policy

Most grain farmers combine buildings, machinery, RC, inputs and business interruption into a single farm multi-risk policy — often more advantageous than separate policies.

Producers covered throughout Quebec

Our partner firms support farms in all regions of Quebec, including Saint-Hyacinthe, Drummondville, Granby, Victoriaville, Saint-Jean-sur-Richelieu, Joliette, Lévis and Trois-Rivières, as well as in rural areas — Beauce, Estrie, Centre-du-Québec, Bas-Saint-Laurent, Saguenay–Lac-Saint-Jean, Chaudière-Appalaches and Outaouais.

Frequently asked questions

Is my FADQ crop insurance sufficient?
No. Public crop insurance (ASRA, ASREC) only covers yield or income losses on field production. It does NOT cover your machinery, elevators, buildings, liability or stored inputs. A private agricultural multi-risk policy is essential in addition.
Are my full silos covered against fire after harvest?
Yes, with the “stored grain and forage” endorsement. Coverage applies to the market value of grain at the date of loss. Check the annual limit, especially in years of high production.
Is my combine covered on the road between two fields?
Yes, with the “mobile farm machinery” endorsement and the appropriate registration (pink F plate in Quebec). Covers collision, fire, and rollover during inter-lot movements.
How much does insurance cost for a grain farm in Quebec?
The premium varies depending on your hectares under cultivation, the type of crops, the value of your machinery and buildings, your claims history and the limits chosen. As a guideline, a medium-sized operation often pays between $4,000 and $12,000 per year for all coverages, but the exact premium is determined after analyzing your file. Comparing several insurers remains the best way to get a fair price.
Am I covered if hail destroys my crop?
Hail on field crops is covered by FADQ crop insurance or specific private hail insurance. Your comprehensive policy covers buildings and grain ONCE harvested and stored.
Are seasonal employees covered in the event of an accident?
Occupational injuries of employees (including seasonal workers and temporary foreign nationals) are covered by the CNESST public plan, to which you must contribute. Your commercial liability insurance covers injuries to third-party visitors.
Are my sprays covered in case of drift on the neighbouring field?
With the “agricultural pollution” or “application drift” endorsement, yes — covers damage to neighbouring crops caused by pesticide drift. Without this amendment, agricultural pollution is generally excluded.
Is my stored farm fuel covered?
Yes, diesel and gasoline stored in agricultural tanks are part of the “inputs”. Covers theft and fire. Leakage and contamination of the soil require the “environmental liability” endorsement.

Other agricultural protections

Do you combine several activities on the same farm? Compare these coverages as well.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF-certified partner firms and members of the Chambre de l’assurance
  • ✓ 100,000+ Quebecers have already trusted our network
  • ✓ Free service, no hidden costs, no commitment
  • ✓ Quote in 3 minutes, online or by phone
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