Insurance tips to help you avoid risks on the farm this summer

The Co-operators is an AFA corporate partner and has many different types of farm insurance specifically designed for our agriculture sector. That includes property, contents, machinery, livestock, producer, hobby farms, accident insurance and more.

Did you know that being an AFA member also gives you exclusive access to coverage and savings on a variety of insurance products from The Co-operators? Remember to tell your agent you are an AFA member to get your discount!

These seasonal tips from The Co-operators will help prevent problems on your farm.

Drought conditions may increase hazards on your property

By summer 2015, many areas in Alberta have seen the driest conditions in 50 years. For farms with organic materials like hay and feed, plus large mechanical equipment, dry weather can mean additional potential fire hazards on the farm.

  • Keep the yard clear of brush and other flammable debris as sparks from machinery or stray cigarettes can turn litter into kindling. Keep flammable items away from heat sources.
  • Never discard smoking materials on the ground or in plant pots. Improperly extinguished smoking materials can smoulder undetected for days before igniting a fire.
  • Proper airflow and ventilation in buildings helps disperse flammable chemical vapours, silo gases and other hazardous by-products.
  • Maintain electrical equipment and keep wires safely enclosed in metal or PVC pipes to protect them from exposure to weather and animals.
  • Refuel equipment outdoors, away from open flames and as far from buildings as possible, to allow harmful vapours to dissipate.
  • Regularly inspect and maintain portable fire extinguishers. Keep extinguishers easy to find in each farm building, especially near mechanical equipment and storage areas that contain flammable materials.
  • Never leave portable heating units unattended, and avoid using heat lamps, solar lamps, trouble lights or heated watering bowls in your pets’ outdoor home (e.g., dog house). Portable electrical heating systems or temporary installations commonly contribute to fires.

When you’re away, keep your property safe

With the summer season here, extra steps may be needed to keep your home or cottage secure, and your property safe.

If you are planning to leave your house or vacation property unattended for stretches of time, call your insurance company to find out if they have a time limit for occupancy absences. Most insurance companies specify the time your property can be unoccupied and still benefit from insurance protection. You may need to have someone check the property every few days or shut off your water supply.

Next, leave your property with that ‘lived-in’ look to help deter vandals. These steps will help make your home or property look lived-in while you are away:

  • keep window coverings closed
  • put interior lights on timers
  • if applicable, have mail collected at least every 72 hours
  • have someone shovel snow or plow roads in the winter, or cut lawns or trim bushes in the summer

Remember, if you have a cottage or seasonal property, you may require a different policy for coverage. These Co-operators seasonal policies offer many kinds of coverage to suit your needs.

For more home insurance tips and information, visit The Co-operators’ Answer Centre or contact a local Co-operators financial advisor.

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