{"id":19860,"date":"2025-05-10T11:52:08","date_gmt":"2025-05-10T15:52:08","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/vegetable-production-insurance-compare-in-less-than-3-minutes\/"},"modified":"2026-05-07T16:14:12","modified_gmt":"2026-05-07T20:14:12","slug":"vegetable-production-insurance-compare-in-less-than-3-minutes","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/vegetable-production-insurance-compare-in-less-than-3-minutes\/","title":{"rendered":"Quebec Vegetable Production Insurance 2026 \u2014 Greenhouses and FADQ"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Quebec vegetable production \u2014 greenhouse tomatoes, lettuce, carrots, potatoes, cucumbers, strawberries, organic crops \u2014 requires coverage that goes far beyond <strong>the crop insurance of La Financi\u00e8re agricole du Qu\u00e9bec (FADQ).<\/strong> Greenhouse buildings, tractors, forage harvesters, cold rooms, delivery trucks, seasonal income, spring frost, storms: <strong>Assur360<\/strong> completes your FADQ protection thanks to our <strong>AMF certified brokers<\/strong>. Whether you are in <strong>Mont\u00e9r\u00e9gie<\/strong>, <strong>Lanaudi\u00e8re<\/strong>, the <strong>Capitale-Nationale<\/strong> or the <strong>Eastern Townships<\/strong>, our brokers know your reality.  <\/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-production-maraichere.jpg\" alt=\"Greenhouse vegetable production \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=\"Vegetable-Production-Insurance\"><\/span>Vegetable Production Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Market gardeners combine harvest risks (frost, drought, hail, diseases), structural risks (greenhouses, irrigation), and product liability (food poisoning).<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>La Financi\u00e8re Program:<\/strong> ASRA and crop insurance (FADQ Quebec) cover income losses based on objective indices. Combine with a private property and liability insurance policy. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">VEGETABLE INSURANCE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protect-your-greenhouses-crops-and-farm-equipment\"><\/span>Protect your greenhouses, crops and farm equipment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Buildings, equipment, greenhouses, cold rooms, frost, loss of income. Supplement to your ASRA or ASREC from La Financi\u00e8re agricole. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Agricultural insurers<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">< 24 hours<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Submission received<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Certified firm<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">FADQ<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">ASRA Supplemental<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-a-specific-insurance-for-vegetable-production\"><\/span>Why a specific insurance for vegetable production?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fadq.qc.ca\/\">La Financi\u00e8re agricole du Qu\u00e9bec&#8217;s<\/a> <strong>ASREC<\/strong> (Crop Insurance) and <strong>ASRA<\/strong> (Farm Income Stabilization Insurance) protect yield and income, but <em>do not cover<\/em> buildings, greenhouses, machinery, civil liability or business interruption. Hence the importance of a complementary agricultural commercial police. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf21\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Frost, hail and storm<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The ASREC covers the loss of yield, but the <strong>frost and hail<\/strong> endorsement on the commercial policy also protects your greenhouses, tunnels and irrigation infrastructure.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Greenhouses and tunnels<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Broken polyethylene, snow load on the structure, roof collapse, winter heating failure threatening the crop. Insurable values from $50,000 to several million dollars. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude9c<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Specialized Agricultural Equipment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Tractors, planters, harvesters, sprayers, irrigation systems, sorting cameras: <strong>mobile equipment<\/strong> and machinery breakdown coverage.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2744\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Cold rooms and warehouses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Loss of fridge = loss of harvest. Coverage of products in storage against fridge breakage, prolonged power outage and contamination. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Concentrated seasonal income<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A harvest is often worth 70% of the annual income. <strong>Business interruption insurance<\/strong> maintains your income if a loss strikes in the middle of the season. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Product liability<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If your lettuce contaminates a customer (E. coli, listeria), <strong>the Product<\/strong> Liability covers lawsuits, recalls and defence costs \u2014 essential for direct selling, government procurement and AAFC.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Coverage-for-Vegetable-Growers\"><\/span>Essential Coverage for Vegetable Growers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfda\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Buildings and greenhouses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Barn, shed, workshop, glass or polyethylene greenhouses, silos, warehouses.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf31<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Contents and stocks<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Seeds, inputs, fertilizers, phytochemicals, packaging, harvested products.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude9c<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Agricultural equipment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Tractors, hitch attachments, harvesters, irrigation systems, forklifts.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\uddca<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Breakdown of refrigerator machinery<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Compressors, evaporators, HVAC systems for greenhouses \u2014 including loss of stock due to breakdown.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc9<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business interruption<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Income lost during the restoration of a damaged building (typically 3 to 12 months).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">General liability and products<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$2 to $5 million for visitors (pick-your-own, kiosk), products sold, agritourism activities.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-vegetable-quote-in-minutes\"><\/span>How to get your vegetable quote in minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Describe your production<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Crop types (field, greenhouse, tunnel, organic), acreage, annual volume, sales channels (wholesale, retail, public markets, AAFC).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Asset Inventory<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Buildings (including greenhouses) with values, equipment with years and values, average stocks, agricultural and commercial vehicles.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Current FADQ Policies<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Indicate your current ASREC \/ ASRA \/ ASSURP\u00caCHE contracts to avoid overlaps and optimise complementarity.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Broker Comparison<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our broker negotiates with specialized agricultural insurers (La Capitale, Intact Agricole, Promutuel, SSQ, Beneva, Co-operators) and compares proposals.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Enforcement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Immediate email attestation, electronic signature, integration with your seasonal billing cycles.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Broker Advice \u2014 Combining FADQ + Commercial Policy<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">The <strong style=\"color:#ffffff;\">FADQ<\/strong> (ASREC \/ ASRA) and agricultural commercial insurance are <em>complementary<\/em>. 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.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-rates-2026-%E2%80%94-Vegetable-production-insurance\"><\/span>Indicative rates 2026 \u2014 Vegetable production insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Type of holding Indicative<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">annual premium<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">RC limit<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Diversified Smallholder (< 5 ha)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,500 \u2014 $6,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2M<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Medium Field Market Gardener (5-25 ha)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$5,000 \u2014 $14,0002<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $5M<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Greenhouse Grower (1,000-5,000 m\u00b2)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 \u2014 $28,0002<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $5M<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Large Potato\/Carrot Producer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$18,000 \u2014 $60,0005<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $10M<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Organic Operations + AAFC + Booth<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$6,000 \u2014 $18,0002<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 $5M<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/agricultural-quick-quote\/\">Get your exact price in minutes<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Spring frost and greenhouse failures \u2014 Catastrophic scenarios<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">A <strong>late frost of -6\u00b0C in May<\/strong> can ruin an entire crop of strawberries or field tomatoes. A <strong>winter heating failure in the greenhouse<\/strong> destroys all production in 12 hours. A <strong>greenhouse collapse under the load of snow<\/strong> can cost $150,000 to $2 million. Without frost riders, fridge breakdowns and <em>snow covers<\/em>, these losses are excluded. Always check your tight endorsements and see.    <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">AGRICULTURAL SPECIALISTS<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Prepare for your next season with the right font<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">AMF brokers specializing in agricultural insurance. Combine FADQ and commercial police for total protection. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/agricultural-quick-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Talk to a broker<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Market-gardening-products-that-we-provide\"><\/span>Market gardening products that we provide<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf45<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Greenhouses and sheltered crops<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Tomatoes, cucumbers, peppers, hydroponic lettuce, herbs.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udd54<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Field Crops<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Potatoes, carrots, onions, cabbage, celery, sweet corn.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf53<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Berries<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Strawberries, raspberries, blueberries, pick-your-own and agritourism.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf3f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Certified organic production<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Ecocert, Qu\u00e9bec Vrai, with kiosk and ASC (weekly baskets).<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude9a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Market gardening with processing<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Ready-to-eat salads, marinades, artisanal canneries.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf38<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Nursery and ornamental horticulture<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Perennials, annuals, fruit trees in containers.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverage-throughout-Quebec\"><\/span>Coverage throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Assur360 supports vegetable and agricultural production companies in all regions of Quebec. We insure producers in all of Quebec&#8217;s vegetable growing regions: <strong>Mont\u00e9r\u00e9gie<\/strong> (Saint-R\u00e9mi, Sherrington, Napierville, Saint-Jean-sur-Richelieu \u2014 lettuce and onion capital), <strong>Lanaudi\u00e8re<\/strong> (Saint-Lin, Lavaltrie), <strong>Laurentians<\/strong>, <strong>Capitale-Nationale<\/strong> (\u00cele d&#8217;Orl\u00e9ans \u2014 strawberries, potatoes), <strong>Estrie<\/strong>, <strong>Centre-du-Qu\u00e9bec<\/strong>, <strong>Chaudi\u00e8re-Appalaches<\/strong> and <strong>Bas-Saint-Laurent<\/strong>. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Articles-and-Products\"><\/span>Related Articles and Products<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/logging-insurance-get-a-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Logging Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Harvester, skidder, BFEC, SOPFEU.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/mine-and-quarry-insurance-get-a-quick-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Mine and quarry insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">RC pollution, heavy equipment, explosives.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Quebec Business Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Overview of commercial coverage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-commerciale\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Commercial liability<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">$2 million to $10 million in visitor and product protection.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is La Financi\u00e8re agricole&#8217;s ASREC sufficient?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. ASREC only covers yield loss on insurable crops. It does not cover buildings, greenhouses, equipment, vehicles, civil liability or business interruption. An agricultural commercial police force is essential in addition.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between ASREC, ASRA and ASSURP\u00caCHE?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The ASREC protects the yield (kilos harvested), the ASRA stabilizes the annual income (according to a cost of production), and the ASSURP\u00caCHE concerns fishermen. All three are managed by La Financi\u00e8re agricole and are separate from private commercial insurance. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are my greenhouses covered against the snow load?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, if you take out the <em>snow and ice load<\/em> endorsement (sometimes mandatory, sometimes optional depending on the insurer). Check that the boundary corresponds to the value of the complete reconstruction, including heating, irrigation and lighting. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can spring frost be insured?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For crops: yes via ASREC (FADQ). For infrastructure (greenhouses, tunnels): via the <em>freezing of pipes<\/em> and heating failure. For orchards and small fruits: specific frost endorsement in certain policies.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is product liability mandatory for retail?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Not required by law, but grocery chains, public markets and restaurants systematically require proof of CR products of $2 to $5 million. Cases of contamination (E. coli on lettuce) are responsible for up to several millions. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does it cost to insure a 5,000 m\u00b2 greenhouse?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Between $8,000 and $25,000 per year depending on: type of greenhouse (glass vs. polyethylene), heating system, reconstruction value (often $400-$800\/m\u00b2), added endorsements. Our broker prepares several scenarios to optimize the cost. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is agritourism (pick-your-own, kiosk, maze) covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, via <strong>agritourism<\/strong> endorsement added to the general civil liability. Covers visitors&#8217; injuries, a child&#8217;s fall into a corn maze, food allergies. Recommended limit: $5 million if you welcome 1,000+ visitors per season.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I operate organically differently?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. Some insurers offer organic discounts (Ecocert, Qu\u00e9bec Vrai) because practices are considered more forward-looking. Also: <em>GMO\/pesticide contamination<\/em> coverage in addition if organic crops are adjacent to conventional crops. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"L'ASREC de La Financi\u00e8re agricole est-elle suffisante ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. L'ASREC couvre uniquement la perte de rendement des cultures assurables. Elle ne couvre pas les b\u00e2timents, serres, \u00e9quipement, v\u00e9hicules, responsabilit\u00e9 civile ni les pertes d'exploitation. Une police commerciale agricole est indispensable en compl\u00e9ment.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle est la diff\u00e9rence entre ASREC, ASRA et ASSURP\u00caCHE ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'ASREC prot\u00e8ge le rendement (kilos r\u00e9colt\u00e9s), l'ASRA stabilise les revenus annuels (selon un co\u00fbt de production), et l'ASSURP\u00caCHE concerne les p\u00eacheurs. Les trois sont g\u00e9r\u00e9s par La Financi\u00e8re agricole et sont distincts de l'assurance commerciale priv\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Mes serres sont-elles couvertes contre la charge de neige ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si vous souscrivez l'avenant charge de neige et glace (parfois obligatoire, parfois optionnel selon l'assureur). V\u00e9rifiez que la limite correspond \u00e0 la valeur de reconstruction compl\u00e8te, incluant syst\u00e8me de chauffage, irrigation et \u00e9clairage.\"}}, {\"@type\": \"Question\", \"name\": \"Le gel printanier peut-il \u00eatre assur\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour les cultures : oui via l'ASREC (FADQ). Pour les infrastructures (serres, tunnels) : via avenant gel des tuyauteries et panne de chauffage. Pour les vergers et petits fruits : avenant gel sp\u00e9cifique dans certaines polices.\"}}, {\"@type\": \"Question\", \"name\": \"La responsabilit\u00e9 civile produits est-elle obligatoire pour vendre au d\u00e9tail ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non obligatoire par la loi, mais les cha\u00eenes d'\u00e9piceries, march\u00e9s publics et restaurants exigent syst\u00e9matiquement une preuve de RC produits de 2 \u00e0 5 M$. Les cas de contamination (E. coli sur laitues) engagent la responsabilit\u00e9 jusqu'\u00e0 plusieurs millions.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'assurance d'une serre de 5 000 m\u00b2 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Entre 8 000 $ et 25 000 $ par an selon : type de serre (verre vs poly\u00e9thyl\u00e8ne), syst\u00e8me de chauffage, valeur de reconstruction (souvent 400 $-800 $\/m\u00b2), avenants ajout\u00e9s. Notre courtier pr\u00e9pare plusieurs sc\u00e9narios pour optimiser le co\u00fbt.\"}}, {\"@type\": \"Question\", \"name\": \"L'agrotourisme (autocueillette, kiosque, labyrinthe) est-il couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via avenant agrotourisme ajout\u00e9 \u00e0 la RC g\u00e9n\u00e9rale. Couvre blessures de visiteurs, chute d'enfant dans un labyrinthe de ma\u00efs, allergie alimentaire. Limite recommand\u00e9e : 5 M$ si vous accueillez 1 000+ visiteurs par saison.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je assurer une exploitation biologique diff\u00e9remment ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Certains assureurs offrent des rabais bio (Ecocert, Qu\u00e9bec Vrai) car les pratiques sont jug\u00e9es plus pr\u00e9voyantes. Aussi : couverture contamination OGM \/ pesticides en avenant si cultures bio voisines de cultures conventionnelles.\"}}]}<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Free and <strong> non-binding quote<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Complete your FADQ protection with the right font<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Specialized AMF brokers, 9+ agricultural insurers compared, free of charge.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/agricultural-quick-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Request a quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\/assurance-entreprise\/assurance-production-maraichere\/\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"email\": \"info@assur360.ca\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"1000 rue Notre-Dame Est\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 2T1\", \"addressCountry\": \"CA\"}, \"areaServed\": \"Qu\u00e9bec\", \"priceRange\": \"$$\", \"serviceType\": \"Assurance production mara\u00eech\u00e8re \u2014 serres, cultures, \u00e9quipement agricole, RC produits, gel, compl\u00e9ment FADQ\", \"description\": \"Assurance mara\u00eech\u00e8re Qu\u00e9bec : serres, cultures, \u00e9quipement agricole, gel. 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