{"id":16140,"date":"2025-01-30T09:48:59","date_gmt":"2025-01-30T14:48:59","guid":{"rendered":"https:\/\/www.assur360.ca\/agricultural-insurance-online-quote\/"},"modified":"2026-04-28T23:54:56","modified_gmt":"2026-04-29T03:54:56","slug":"agricultural-insurance-online-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/agricultural-insurance-online-quote\/","title":{"rendered":"Agricultural Insurance in Quebec: Farms, Farms and Farms"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center\">\n  <div style=\"max-width:800px;margin:0 auto\">\n    <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px\">AGRICULTURAL INSURANCE IN QUEBEC<\/p>\n    <h2 style=\"color:#fff;font-size:clamp(28px,4vw,42px);font-weight:800;margin:0 0 20px;line-height:1.2\"><span class=\"ez-toc-section\" id=\"Farm-protection-tailored-to-your-operation\"><\/span>Farm protection tailored to your operation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#94a3b8;font-size:18px;max-width:680px;margin:0 auto 32px;line-height:1.7\">Agriculture is changing rapidly, and so are we. Our specialized brokers understand the unique challenges of Quebec producers: unpredictable climate, expensive machinery, valuable livestock and essential buildings. <\/p>\n    <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#fff;padding:16px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:17px;display:inline-block\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"border:2px solid #fff;color:#fff;padding:14px 40px;border-radius:30px;text-decoration:none;font-weight:600;font-size:17px;display:inline-block\">1-866-357-4451<\/a>      \n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:#fff;border-radius:12px;box-shadow:0 2px 12px rgba(0,0,0,.08);margin:-30px auto 40px;max-width:800px;position:relative;z-index:2;text-align:center;padding:28px 0\">\n  <div style=\"padding:16px;border-right:1px solid #e2e8f0\"><div style=\"font-size:28px;font-weight:800;color:#10c4c7\">28 000+<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px\">Farms in Quebec<\/div><\/div>\n  <div style=\"padding:16px;border-right:1px solid #e2e8f0\"><div style=\"font-size:28px;font-weight:800;color:#10c4c7\">$1,500<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px\">Prime from<\/div><\/div>\n  <div style=\"padding:16px;border-right:1px solid #e2e8f0\"><div style=\"font-size:28px;font-weight:800;color:#10c4c7\">10+<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px\">Insurers Compared<\/div><\/div>\n  <div style=\"padding:16px\"><div style=\"font-size:28px;font-weight:800;color:#10c4c7\">100 %<\/div><div style=\"font-size:13px;color:#64748b;margin-top:4px\">Free and without obligation<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Agricultural-insurance-in-Quebec-protect-your-operation-in-2026\"><\/span>Agricultural insurance in Quebec: protect your operation in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap;\">\n  <div style=\"font-size:48px;line-height:1;flex-shrink:0;\">\ud83c\udf3e<\/div>\n  <div style=\"flex:1;min-width:240px;\">\n    <div style=\"color:#10c4c7;font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:700;margin-bottom:6px;\">FREE TOOL \u00b7 CALCULATOR<\/div>\n    <h3 style=\"color:#ffffff;font-size:20px;margin:0 0 6px;font-weight:800;\">Is my crop profitable this season?<\/h3>\n    <p style=\"color:#94a3b8;font-size:14px;line-height:1.6;margin:0;\">Net margin, cost per tonne, yield threshold \u2014 for corn, soybeans, wheat, hay, canola. 2026 MAPAQ\/CRAAQ data. <\/p>\n  <\/div>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/crop-profitability-calculator-agricultural-producer-quebec-2026\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:14px;white-space:nowrap;\">Calculate my profitability\u2192<\/a>\n<\/div>\n\n<p class=\"wp-block-paragraph\">Agricultural insurance in Quebec covers farm-specific risks: building fires, machinery breakdown, animal mortality, product contamination and civil liability. Quebec has more than <strong>28,000 farms<\/strong> registered according to the <a href=\"https:\/\/statistique.quebec.ca\/\">Agricultural Census<\/a>, generating more than $10 billion in annual revenues. The cost of farm insurance ranges from <strong>$1,500 to $8,000<\/strong> per year depending on the size of the operation, the types of production and the buildings to be covered. The <a href=\"https:\/\/www.mapaq.gouv.qc.ca\/\">MAPAQ<\/a> and the <a href=\"https:\/\/lautorite.qc.ca\/\">AMF<\/a> recommend that producers work with a certified broker specializing in agriculture to adapt coverage to each farm. It should be noted that private insurance is complementary to the public programs of the <a href=\"https:\/\/www.fadq.qc.ca\/\">Financi\u00e8re agricole du Qu\u00e9bec (FADQ),<\/a> which covers crop losses and income stabilization.    <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-agricole-ferme.jpg\" alt=\"Quebec Agricultural Farm \u2014 Assur360 Insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Agricultural-insurance-complete-coverage-of-the-farm\"><\/span>Agricultural insurance: complete coverage of the farm<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Farm insurance includes under an <strong>integrated farm policy<\/strong> : producer&#8217;s house (residence), livestock and storage buildings, machinery, animals, crops, operating liability. Specialized program via Promutuel, La Capitale, Beneva. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Our strength:<\/strong> Assur360 has access to the 4 main agricultural insurers in Quebec and compares your current program to identify any gaps or possible discounts. Free audit of your existing policy. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-6-Essential-Covers-for-Your-Farm\"><\/span>The 6 Essential Covers for Your Farm<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:24px 0 40px\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <div style=\"font-size:28px;margin-bottom:12px\">\ud83c\udfd7\ufe0f<\/div>\n    <h3 style=\"font-size:18px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Farm buildings<\/h3>\n    <p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">Barns, barns, silos, sheds and workshops \u2014 covered against fire, storms, snow collapse, lightning and vandalism.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <div style=\"font-size:28px;margin-bottom:12px\">\ud83d\ude9c<\/div>\n    <h3 style=\"font-size:18px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Agricultural equipment<\/h3>\n    <p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">Tractors, combines, seed drills, irrigation systems \u2014 protected against collision, fire, theft and vandalism.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <div style=\"font-size:28px;margin-bottom:12px\">\ud83d\udc04<\/div>\n    <h3 style=\"font-size:18px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Livestock<\/h3>\n    <p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">Dairy cows, beef cattle, hogs, poultry \u2014 insured against fires, storms, poisonings and covered diseases.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <div style=\"font-size:28px;margin-bottom:12px\">\ud83c\udf3e<\/div>\n    <h3 style=\"font-size:18px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Crops and Inputs<\/h3>\n    <p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">Grain, hay, silage, fertilizer, seed and fuel stored \u2014 covered against fire, theft and accidental contamination.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <div style=\"font-size:28px;margin-bottom:12px\">\u2696\ufe0f<\/div>\n    <h3 style=\"font-size:18px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Civil liability<\/h3>\n    <p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">Protection against third-party lawsuits for injury or damage. Pollution liability option for slurry spills and agritourism liability for visitors. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:28px\">\n    <div style=\"font-size:28px;margin-bottom:12px\">\ud83e\udd5b<\/div>\n    <h3 style=\"font-size:18px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Milk contamination<\/h3>\n    <p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">Specialized coverage for dairy farmers: accidental antibiotics in the tank, destruction costs and loss of income.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-agricultural-insurance-cost-depending-on-the-type-of-farm\"><\/span>How much does agricultural insurance cost depending on the type of farm?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Agricultural insurance premiums vary considerably depending on the nature and size of the operation. Here are the ranges observed by our specialized brokers in Quebec: <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0 16px\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:15px\">\n<thead><tr style=\"background:#0d1f2d;color:#fff\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:600\">Type of operation<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-weight:600\">Essential<\/th>\n Coverages<th style=\"padding:14px 16px;text-align:left;font-weight:600\">Estimated annual premium<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Dairy Farm<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0\">Buildings + Animals + Equipment + Milk Contamination<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700\">$4,000 \u2013 $8,000<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Grain Production<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0\">Buildings + Equipment + Crops Stored<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700\">$2,000 \u2013 $5,000<\/td><\/tr>\n<tr><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Livestock (beef, swine, poultry)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0\">Animals + buildings + CR<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700\">$2,500 \u2013 $6,000<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Market gardener \/ greenhouses<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0\">Greenhouses + equipment + products<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700\">$2,000 \u2013 $5,000<\/td><\/tr>\n<tr><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Farmhouse ($< $50,000 income)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0\">Farmhouse + combined dwelling<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700\">$1,500 \u2013 $3,500<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Maple<\/td> syrup <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0\">plantCabin + equipment + maple products<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700\">$1,200 \u2013 $3,000<\/td><\/tr>\n<tr><td style=\"padding:12px 16px;font-weight:600\">Visitor RC Agritourism<\/td><td style=\"padding:12px 16px\">+ Buildings + Products<\/td><td style=\"padding:12px 16px;color:#10c4c7;font-weight:700\">$2,500 \u2013 $5,500<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p style=\"color:#64748b;font-size:13px;font-style:italic;margin:0 0 40px\">Source: ranges observed by the Assur360 broker network, 2025-2026. Actual premiums vary depending on location, building value, number of animals, deductible selected, and your claims history. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-does-agricultural-equipment-insurance-cover\"><\/span>What does agricultural equipment insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Your equipment is at the heart of your production. Farm equipment insurance protects your machinery \u2014 tractors, combines, planters, irrigation systems \u2014 against collision, fire, theft and vandalism. Mechanical wear and tear is generally not covered, but extended warranty options are available from some insurers.  <\/p>\n\n<p class=\"wp-block-paragraph\">For operations that rent or borrow equipment in season, temporary coverage can be added. A specialized broker can assess the replacement value of each piece of equipment and ensure that your coverage reflects the true value of your fleet. <\/p>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/01\/tracteur-agricole.png\" alt=\"Agricultural tractor covered by equipment insurance\" class=\"wp-image-10640\" style=\"width:1600px\"  sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-protect-your-crops-and-inputs\"><\/span>How to protect your crops and inputs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Your production represents a significant investment. Farm products and inputs insurance covers your stored crops (grain, hay, silage), essential inputs (fertilizers, seeds, pesticides, fuel), processed products (cheeses, maple products, canned goods) and your greenhouses and specialty crops. To protect harvest income, the <a href=\"https:\/\/www.fadq.qc.ca\/\">FADQ<\/a> offers complementary programs.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-insure-your-herd-in-Quebec\"><\/span>How to insure your herd in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Farm animal insurance protects your livestock against the risk of accidents: barn fires, storms, accidental poisonings, covered illnesses and collisions. Whether you raise <strong>dairy cows<\/strong>, <strong>beef cattle<\/strong>, <strong>hogs<\/strong> or <strong>poultry<\/strong>, coverage can be tailored to the value of your animals. <\/p>\n\n<p class=\"wp-block-paragraph\">Dairy farmers should pay special attention to <strong>milk contamination coverage<\/strong>, which protects against financial loss in the event of accidental contamination of the tank. The costs of destruction, clean-up, and loss of revenue during production shutdown can be considerable. <\/p>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/01\/ferme-laitiere.png\" alt=\"Dairy cow protected by farm animal insurance\" class=\"wp-image-10641\" style=\"width:1600px\"  sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-does-farm-building-insurance-cover\"><\/span>What does farm building insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Your buildings are essential to your production. The insurance covers the reconstruction or repair of your installations in the event of a disaster: <strong>fire<\/strong>, <strong>storm<\/strong>, <strong>collapse due to the weight of snow<\/strong>, lightning and vandalism. Covered buildings include barns, silos, barns, cold stores, mechanical workshops and machinery sheds. For farms with automated milking facilities or controlled ventilation systems, machinery breakdown coverage can be added.   <\/p>\n\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/01\/Batiment-agricole-assurance.png\" alt=\"Insurable grain elevator and farm building\" class=\"wp-image-10668\" style=\"width:1600px\"  sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:28px 32px;margin:40px 0\">\n  <h3 style=\"color:#dc2626;font-size:18px;margin:0 0 12px;font-weight:700\">\u26a0\ufe0f Please note: your home insurance does NOT cover the farm<\/h3>\n  <p style=\"color:#7f1d1d;font-size:15px;line-height:1.7;margin:0\">Standard home insurance does not cover even small-scale farming activities. As soon as you have livestock, farm machinery or sell farm products, you need a <strong>specific farm<\/strong> or <strong>farm<\/strong> policy. Farm insurance combines home and farm coverage into one policy \u2014 often more cost-effective than two separate policies. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Farm-insurance-vs-farmhouse-what-is-the-difference\"><\/span>Farm insurance vs farmhouse: what is the difference?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0 40px\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:15px\">\n<thead><tr style=\"background:#0d1f2d;color:#fff\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:600\">Criterion<\/th>\n<th style=\"padding:14px 16px;text-align:center;font-weight:600\">Closed<\/th>\n<th style=\"padding:14px 16px;text-align:center;font-weight:600\">Farmhouse<\/th>\n<\/tr><\/thead>\n<tbody>\n<tr><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Farm income<\/td><td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">> $50,000\/year<\/td><td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">< $50,000\/year<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Policy Type Dedicated<\/td><td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">Farm Policy<\/td><td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">Combined Farm + Home Policy<\/td><\/tr>\n<tr><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Residence Included<\/td><td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">Separate Policy<\/td><td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">\u2713 Included<\/td><\/tr>\n<tr style=\"background:#f8fafc\"><td style=\"padding:12px 16px;font-weight:600;border-bottom:1px solid #e2e8f0\">Annual Premium<\/td><td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">$2,000 \u2013 $8,000<\/td>$<td style=\"padding:12px 16px;text-align:center;border-bottom:1px solid #e2e8f0\">1,500 \u2013 $3,500<\/td><\/tr>\n<tr><td style=\"padding:12px 16px;font-weight:600\">Activity<\/td><td style=\"padding:12px 16px;text-align:center\">Full time<\/td><td style=\"padding:12px 16px;text-align:center\">Part-time \/ leisure<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-5-factors-that-influence-your-agricultural-premium\"><\/span>The 5 factors that influence your agricultural premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:24px 0 40px\">\n  <div style=\"display:flex;align-items:flex-start;gap:20px\">\n    <div style=\"background:#10c4c7;color:#fff;width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0\">1<\/div>\n    <div><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 6px;font-weight:700\">Value of buildings and equipment<\/h3><p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">The replacement value of your barns, silos, tractors and equipment is the main factor. The higher the value, the higher the premium. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:20px\">\n    <div style=\"background:#10c4c7;color:#fff;width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0\">2<\/div>\n    <div><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 6px;font-weight:700\">Type of production<\/h3><p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">Dairy, pig, grain, vegetable \u2014 each type has a different risk profile. Livestock farming with heated buildings is more expensive to insure. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:20px\">\n    <div style=\"background:#10c4c7;color:#fff;width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0\">3<\/div>\n    <div><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 6px;font-weight:700\">Location of the farm<\/h3><p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">The distance from the fire department, the risk zone (flood, landslide) and the region (Mont\u00e9r\u00e9gie, Beauce, Bas-Saint-Laurent) influence the premium.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:20px\">\n    <div style=\"background:#10c4c7;color:#fff;width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0\">4<\/div>\n    <div><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 6px;font-weight:700\">Claims history<\/h3><p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">A claims-free history gives you access to better rates. Recent claims (less than 5 years old) increase the premium. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:20px\">\n    <div style=\"background:#10c4c7;color:#fff;width:40px;height:40px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;flex-shrink:0\">5<\/div>\n    <div><h3 style=\"font-size:17px;color:#0d1f2d;margin:0 0 6px;font-weight:700\">Selected Franchise<\/h3><p style=\"color:#64748b;font-size:15px;line-height:1.6;margin:0\">A higher deductible ($2,500 vs. $1,000) significantly reduces the annual premium. Your broker helps you find the right balance. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-a-broker-specializing-in-agriculture\"><\/span>Why use a broker specializing in agriculture?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Agricultural insurance is a specialized field. Unlike car or home insurance, firm policies are complex and vary greatly from one insurer to another. An <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\">AMF-certified broker<\/a> specializing in agriculture offers you several concrete advantages:  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0 40px\">\n  <div style=\"border:1px solid #e2e8f0;border-radius:12px;padding:24px\">\n    <h3 style=\"font-size:16px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Customized evaluation<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0\">Your broker evaluates each component \u2014 buildings, equipment, livestock, products \u2014 to ensure that nothing is underinsured or forgotten.<\/p>\n  <\/div>\n  <div style=\"border:1px solid #e2e8f0;border-radius:12px;padding:24px\">\n    <h3 style=\"font-size:16px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Access to specialist insurers<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0\">Not all insurers offer farm insurance. Your broker has access to those who understand the environment and offer tailored coverage. <\/p>\n  <\/div>\n  <div style=\"border:1px solid #e2e8f0;border-radius:12px;padding:24px\">\n    <h3 style=\"font-size:16px;color:#0d1f2d;margin:0 0 10px;font-weight:700\">Disaster support<\/h3>\n    <p style=\"color:#64748b;font-size:14px;line-height:1.6;margin:0\">In the event of a major loss, your broker advocates for you and expedites the claims process \u2014 crucial when your production is at stake.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Agricultural-insurance-in-your-region-of-Quebec\"><\/span>Agricultural insurance in your region of Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Our specialized brokers serve agricultural producers in all regions of Quebec. Whether you are in <strong>Mont\u00e9r\u00e9gie<\/strong>, <strong>Beauce<\/strong>, <strong>Centre-du-Qu\u00e9bec<\/strong>, <strong>Bas-Saint-Laurent<\/strong>, <strong>Chaudi\u00e8re-Appalaches<\/strong>, <strong>Saguenay\u2013Lac-Saint-Jean<\/strong>, <strong>Lanaudi\u00e8re<\/strong> or <strong>Estrie<\/strong>, we find the right coverage for your regional reality. Premiums vary depending on your location: the distance from the fire department, the risk of flooding and the risk profile of your area have a direct impact on your premium.  <\/p>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:32px;margin:40px 0\">\n  <h3 style=\"color:#0d1f2d;font-size:20px;margin:0 0 20px;font-weight:700;text-align:center\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;text-align:center\">\n    <div>\n      <div style=\"font-size:24px;margin-bottom:8px\">\u2713<\/div>\n      <p style=\"font-weight:700;color:#0d1f2d;margin:0 0 4px;font-size:15px\">AMF certified<\/p>\n      <p style=\"color:#64748b;font-size:13px;margin:0\">Brokers authorized by the <a href=\"https:\/\/lautorite.qc.ca\/\" style=\"color:#10c4c7\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/p>\n    <\/div>\n    <div>\n      <div style=\"font-size:24px;margin-bottom:8px\">\u2713<\/div>\n      <p style=\"font-weight:700;color:#0d1f2d;margin:0 0 4px;font-size:15px\">ChAD Member<\/p>\n      <p style=\"color:#64748b;font-size:13px;margin:0\">Chambre de l&#8217;assurance de dommages du Qu\u00e9bec<\/p>\n    <\/div>\n    <div>\n      <div style=\"font-size:24px;margin-bottom:8px\">\u2713<\/div>\n      <p style=\"font-weight:700;color:#0d1f2d;margin:0 0 4px;font-size:15px\">10+ insurers<\/p>\n      <p style=\"color:#64748b;font-size:13px;margin:0\">Comparison of the best offers on the market<\/p>\n    <\/div>\n    <div>\n      <div style=\"font-size:24px;margin-bottom:8px\">\u2713<\/div>\n      <p style=\"font-weight:700;color:#0d1f2d;margin:0 0 4px;font-size:15px\">Local service<\/p>\n      <p style=\"color:#64748b;font-size:13px;margin:0\">Quebec brokers who know your agricultural reality<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:16px;padding:48px 40px;text-align:center;margin:40px 0\">\n  <h3 style=\"color:#fff;font-size:24px;font-weight:800;margin:0 0 16px\">Protect your operation now<\/h3>\n  <p style=\"color:#94a3b8;font-size:16px;max-width:600px;margin:0 auto 28px;line-height:1.7\">Whether you are a dairy farmer, grain farmer, rancher or farmhouse owner, our specialized brokers will find the coverage adapted to your reality.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/agricultural-quick-quote\/\" style=\"background:#10c4c7;color:#fff;padding:16px 48px;border-radius:30px;text-decoration:none;font-weight:700;font-size:17px;display:inline-block\">Get my free<\/a>\n quote<a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\" style=\"border:2px solid #fff;color:#fff;padding:14px 40px;border-radius:30px;text-decoration:none;font-weight:600;font-size:17px;display:inline-block\">Talk to a broker<\/a>    \n  <\/div>\n  <p style=\"color:#64748b;font-size:13px;margin:20px 0 0\">Free, no-obligation service \u2014 AMF-certified brokers<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-About-Agricultural-Insurance-in-Quebec\"><\/span>Frequently Asked Questions About Agricultural Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:12px;margin:24px 0\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">How much does agricultural insurance cost in Quebec?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">The cost ranges from <strong>$1,500 to $8,000<\/strong> per year depending on the type of operation. A small farm with less than $50,000 in revenue costs between $1,500 and $3,500, while a dairy farm with buildings, equipment and livestock can reach $4,000 to $8,000. The main factors are the value of the buildings, the number of animals, the type of production and the franchise chosen.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">Who is considered a farm operator in Quebec?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">A person who makes the management or financial decisions related to agricultural production. Several may coexist on the same farm (spouse, parent, partner). In Quebec, farmers are generally members of the <strong>UPA<\/strong> (Union des producteurs agricoles) and registered with the <a href=\"https:\/\/www.mapaq.gouv.qc.ca\/\">MAPAQ.<\/a>  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">Is firm insurance mandatory in Quebec?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">No, firm insurance <strong>is not legally compulsory<\/strong>. However, financial institutions such as the <a href=\"https:\/\/www.fadq.qc.ca\/\">FADQ<\/a> and banks often require insurance as collateral for an agricultural loan. Liability insurance is highly recommended to protect against costly lawsuits.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">Does the FADQ replace private agricultural insurance?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">No. La <strong>Financi\u00e8re agricole du Qu\u00e9bec (FADQ)<\/strong> offers complementary programs such as ASRA, crop insurance and agricultural financing. But it <strong>does not cover<\/strong> buildings, equipment, animals or civil liability. Private insurance through a broker is necessary for these assets.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">What to do in the event of accidental pollution (slurry spillage)?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">Pollution is often <strong>excluded<\/strong> from the basic RC. Ask for specific <strong>pollution liability<\/strong> covering fuel leaks, slurry pit overflows and accidental spills. With strict environmental standards in Quebec, this coverage is highly recommended for any operation with livestock or chemical inputs.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">Does my standard home insurance cover my farmhouse?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\"><strong>No.<\/strong>  Standard home insurance does not cover even small-scale farming activities. As soon as you have livestock, machinery, or sell products, you need a specific policy. Farmhouse insurance combines home and farm insurance in a single, often more economical policy. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">Does the agritourism require special coverage?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\"><strong>Yes.<\/strong> If you receive visitors (pick-your-own, farm visits, markets, accommodation), you must declare this activity and add an <strong>agritourism RC<\/strong>. This coverage protects against accidents involving visitors. Without it, an accident could lead to uncovered lawsuits.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">How is the value of my herd assessed?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">The value is based on <strong>the current market<\/strong>, breed, age and productivity. For dairy cows with high genetics, an individual evaluation may be necessary. Your broker helps you establish a realistic replacement value to avoid <strong>underinsurance<\/strong>, the most common mistake.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">What are the common exclusions of a firm insurance?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">Common exclusions: <strong>mechanical wear and tear<\/strong>, undeclared animal diseases, gradual (vs. accidental) pollution, frost damage to unprotected pipes, and loss of income not separately insured. Failure to comply with maintenance standards may also result in a refusal. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;overflow:hidden\">\n    <summary style=\"padding:18px 24px;cursor:pointer;font-weight:600;font-size:16px;background:#f8fafc;color:#0d1f2d\">Is there coverage for milk contamination?<\/summary>\n    <div style=\"padding:16px 24px;color:#475569;line-height:1.7;font-size:15px\">Yes. Many insurers offer endorsements for <strong>milk contamination<\/strong> (accidental antibiotics in the tank), <strong>product recall,<\/strong> and extended product liability. These coverages cover destruction costs, recall notices and lost revenue. <\/div>\n  <\/details>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin:40px 0\">\n   <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;text-decoration:none;transition:box-shadow .2s\">\n    <span style=\"font-weight:700;color:#0d1f2d;font-size:15px\">Business<\/span>\n Insurance<span style=\"display:block;color:#64748b;font-size:13px;margin-top:4px\">All the coverages for your business\u2192<\/span>\n      <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;text-decoration:none;transition:box-shadow .2s\">\n<span style=\"font-weight:700;color:#0d1f2d;font-size:15px\">Trucking<\/span>\n Insurance<span style=\"display:block;color:#64748b;font-size:13px;margin-top:4px\">Transportation and Commercial Vehicles \u2192<\/span>\n          <\/a>   \n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"@id\": \"https:\/\/www.assur360.ca\/#organization\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/01\/assur360-logo.png\",\n  \"telephone\": \"+1-514-600-7024\",\n  \"email\": \"admin@assur360.ca\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"addressLocality\": \"Montr\u00e9al\",\n    \"addressRegion\": \"QC\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": {\n    \"@type\": \"Province\",\n    \"name\": \"Qu\u00e9bec\"\n  },\n  \"description\": \"Courtier en assurance agricole au Qu\u00e9bec. Fermes, fermettes, b\u00e2timents, mat\u00e9riel, cheptel et r\u00e9coltes. Soumission gratuite en ligne.\",\n  \"priceRange\": \"1500$-8000$\/an\"\n}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/www.assur360.ca\/assurance-agricole\/#faq\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance agricole au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le co\u00fbt varie de 1 500 $ \u00e0 8 000 $ par ann\u00e9e selon le type d'exploitation. Une fermette avec moins de 50 000 $ de revenus co\u00fbte entre 1 500 $ et 3 500 $, tandis qu'une ferme laiti\u00e8re avec b\u00e2timents, mat\u00e9riel et cheptel peut atteindre 4 000 $ \u00e0 8 000 $.\"}},{\"@type\":\"Question\",\"name\":\"Qui est consid\u00e9r\u00e9 comme exploitant agricole au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Une personne qui prend les d\u00e9cisions de gestion ou financi\u00e8res li\u00e9es \u00e0 la production agricole. Au Qu\u00e9bec, les exploitants sont g\u00e9n\u00e9ralement membres de l'UPA et inscrits au registre du MAPAQ.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance ferme est-elle obligatoire au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, l'assurance ferme n'est pas l\u00e9galement obligatoire. Cependant, les institutions financi\u00e8res comme la FADQ et les banques exigent souvent une assurance en garantie d'un pr\u00eat agricole.\"}},{\"@type\":\"Question\",\"name\":\"La FADQ remplace-t-elle l'assurance agricole priv\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La FADQ offre des programmes compl\u00e9mentaires (ASRA, assurance r\u00e9colte), mais ne couvre pas les b\u00e2timents, le mat\u00e9riel, les animaux ni la responsabilit\u00e9 civile. L'assurance priv\u00e9e est n\u00e9cessaire.\"}},{\"@type\":\"Question\",\"name\":\"Que faire en cas de pollution accidentelle (d\u00e9versement de lisier) ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La pollution est souvent exclue de la RC de base. Demandez une RC pollution sp\u00e9cifique couvrant les fuites de carburant et d\u00e9bordements de fosses \u00e0 lisier.\"}},{\"@type\":\"Question\",\"name\":\"Mon assurance habitation standard couvre-t-elle ma fermette ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Une assurance habitation standard ne couvre pas les activit\u00e9s agricoles. L'assurance fermette combine habitation et agricole en une seule police, souvent plus \u00e9conomique.\"}},{\"@type\":\"Question\",\"name\":\"L'agritourisme n\u00e9cessite-t-il une couverture sp\u00e9ciale ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Si vous recevez des visiteurs, vous devez ajouter une RC agritourisme pour prot\u00e9ger contre les accidents impliquant des visiteurs sur votre propri\u00e9t\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"Comment est \u00e9valu\u00e9e la valeur de mon cheptel ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La valeur est \u00e9tablie selon le march\u00e9 actuel, la race, l'\u00e2ge et la productivit\u00e9 des animaux. Pour les vaches laiti\u00e8res de haute g\u00e9n\u00e9tique, une \u00e9valuation individuelle peut \u00eatre n\u00e9cessaire.\"}},{\"@type\":\"Question\",\"name\":\"Quelles sont les exclusions courantes d'une assurance ferme ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les exclusions fr\u00e9quentes : usure m\u00e9canique, maladies animales non d\u00e9clar\u00e9es, pollution graduelle, dommages par le gel aux tuyauteries non prot\u00e9g\u00e9es, et pertes de revenus non assur\u00e9es s\u00e9par\u00e9ment.\"}},{\"@type\":\"Question\",\"name\":\"Existe-t-il une couverture pour la contamination du lait ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Plusieurs assureurs offrent des avenants pour la contamination du lait, le rappel de produits et la RC produits \u00e9tendue, couvrant les co\u00fbts de destruction et les pertes de revenus.\"}}]}\n<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance agricole\", \"item\": \"https:\/\/www.assur360.ca\/assurance-agricole\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>AGRICULTURAL INSURANCE IN QUEBEC Farm protection tailored to your operation Agriculture is changing rapidly, and so are we. 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