Quebec vegetable production — greenhouse tomatoes, lettuce, carrots, potatoes, cucumbers, strawberries, organic crops — requires coverage that goes far beyond the crop insurance of La Financière agricole du Québec (FADQ). Greenhouse buildings, tractors, forage harvesters, cold rooms, delivery trucks, seasonal income, spring frost, storms: Assur360 completes your FADQ protection thanks to our AMF certified brokers. Whether you are in Montérégie, Lanaudière, the Capitale-Nationale or the Eastern Townships, our brokers know your reality.
IN BRIEF
Vegetable Production Insurance
Market gardeners combine harvest risks (frost, drought, hail, diseases), structural risks (greenhouses, irrigation), and product liability (food poisoning).
La Financière Program: ASRA and crop insurance (FADQ Quebec) cover income losses based on objective indices. Combine with a private property and liability insurance policy.
VEGETABLE INSURANCE
Protect your greenhouses, crops and farm equipment
Buildings, equipment, greenhouses, cold rooms, frost, loss of income. Supplement to your ASRA or ASREC from La Financière agricole.
Get My Quote 1-866-357-4451Why a specific insurance for vegetable production?
La Financière agricole du Québec’s ASREC (Crop Insurance) and ASRA (Farm Income Stabilization Insurance) protect yield and income, but do not cover buildings, greenhouses, machinery, civil liability or business interruption. Hence the importance of a complementary agricultural commercial police.
Frost, hail and storm
The ASREC covers the loss of yield, but the frost and hail endorsement on the commercial policy also protects your greenhouses, tunnels and irrigation infrastructure.
Greenhouses and tunnels
Broken polyethylene, snow load on the structure, roof collapse, winter heating failure threatening the crop. Insurable values from $50,000 to several million dollars.
Specialized Agricultural Equipment
Tractors, planters, harvesters, sprayers, irrigation systems, sorting cameras: mobile equipment and machinery breakdown coverage.
Cold rooms and warehouses
Loss of fridge = loss of harvest. Coverage of products in storage against fridge breakage, prolonged power outage and contamination.
Concentrated seasonal income
A harvest is often worth 70% of the annual income. Business interruption insurance maintains your income if a loss strikes in the middle of the season.
Product liability
If your lettuce contaminates a customer (E. coli, listeria), the Product Liability covers lawsuits, recalls and defence costs — essential for direct selling, government procurement and AAFC.
Essential Coverage for Vegetable Growers
Buildings and greenhouses
Barn, shed, workshop, glass or polyethylene greenhouses, silos, warehouses.
Contents and stocks
Seeds, inputs, fertilizers, phytochemicals, packaging, harvested products.
Agricultural equipment
Tractors, hitch attachments, harvesters, irrigation systems, forklifts.
Breakdown of refrigerator machinery
Compressors, evaporators, HVAC systems for greenhouses — including loss of stock due to breakdown.
Business interruption
Income lost during the restoration of a damaged building (typically 3 to 12 months).
General liability and products
$2 to $5 million for visitors (pick-your-own, kiosk), products sold, agritourism activities.
How to get your vegetable quote in minutes
Describe your production
Crop types (field, greenhouse, tunnel, organic), acreage, annual volume, sales channels (wholesale, retail, public markets, AAFC).
Asset Inventory
Buildings (including greenhouses) with values, equipment with years and values, average stocks, agricultural and commercial vehicles.
Current FADQ Policies
Indicate your current ASREC / ASRA / ASSURPÊCHE contracts to avoid overlaps and optimise complementarity.
Broker Comparison
Our broker negotiates with specialized agricultural insurers (La Capitale, Intact Agricole, Promutuel, SSQ, Beneva, Co-operators) and compares proposals.
Enforcement
Immediate email attestation, electronic signature, integration with your seasonal billing cycles.
Broker Advice — Combining FADQ + Commercial Policy
The FADQ (ASREC / ASRA) and agricultural commercial insurance are complementary. The best producers subscribe to both: FADQ for yield and income, commercial policy for buildings, equipment, RC, operating losses. Ask your broker to coordinate the two to eliminate duplication and fill in the real coverage gaps.
Indicative rates 2026 — Vegetable production insurance
| Type of holding Indicative | annual premium | RC limit |
|---|---|---|
| Diversified Smallholder (< 5 ha) | $2,500 — $6,000 | $2M |
| Medium Field Market Gardener (5-25 ha) | $5,000 — $14,0002 | — $5M |
| Greenhouse Grower (1,000-5,000 m²) | $8,000 — $28,0002 | — $5M |
| Large Potato/Carrot Producer | $18,000 — $60,0005 | — $10M |
| Organic Operations + AAFC + Booth | $6,000 — $18,0002 | — $5M |
*Indicative rates 2026. Get your exact price in minutes.
Spring frost and greenhouse failures — Catastrophic scenarios
A late frost of -6°C in May can ruin an entire crop of strawberries or field tomatoes. A winter heating failure in the greenhouse destroys all production in 12 hours. A greenhouse collapse under the load of snow can cost $150,000 to $2 million. Without frost riders, fridge breakdowns and snow covers, these losses are excluded. Always check your tight endorsements and see.
AGRICULTURAL SPECIALISTS
Prepare for your next season with the right font
AMF brokers specializing in agricultural insurance. Combine FADQ and commercial police for total protection.
Talk to a broker 1-866-357-4451Market gardening products that we provide
Greenhouses and sheltered crops
Tomatoes, cucumbers, peppers, hydroponic lettuce, herbs.
Field Crops
Potatoes, carrots, onions, cabbage, celery, sweet corn.
Berries
Strawberries, raspberries, blueberries, pick-your-own and agritourism.
Certified organic production
Ecocert, Québec Vrai, with kiosk and ASC (weekly baskets).
Market gardening with processing
Ready-to-eat salads, marinades, artisanal canneries.
Nursery and ornamental horticulture
Perennials, annuals, fruit trees in containers.
Coverage throughout Quebec
Assur360 supports vegetable and agricultural production companies in all regions of Quebec. We insure producers in all of Quebec’s vegetable growing regions: Montérégie (Saint-Rémi, Sherrington, Napierville, Saint-Jean-sur-Richelieu — lettuce and onion capital), Lanaudière (Saint-Lin, Lavaltrie), Laurentians, Capitale-Nationale (Île d’Orléans — strawberries, potatoes), Estrie, Centre-du-Québec, Chaudière-Appalaches and Bas-Saint-Laurent.
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Frequently asked questions
Why trust Assur360?
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