Liability insurance can offer protection for farm markets and fairs

Liability insurance is, of course, important for every day situations that can occur on the farm—things like accidental property damage, unintended crop chemical drift and situations that arise from normal farming operations.

If an accident of this type occurs, much of the hard work of the farm business could be lost if you are not adequately insured. And it’s equally important that you are covered for risks that may occur when you are conducting business off the farm. iStock_000009114801Small

For example, if you transport your animals to 4-H shows or agricultural fairs, liability insurance can protect against injury to your animals. Do you plan to sell your product at a local farmers’ market? Many farmers’ markets may not cover individual vendors under the market’s group policy, and will require vendors to provide proof of liability insurance in order to participate in the market.

The Co-operators, an Alberta Federation of Agriculture (AFA) Corporate Partner, offers liability insurance options that can protect you and your farm business when you are conducting business away from your farm. Their off-farm liability insurance options include:

  • Animal shows and agricultural fairs liability: covering livestock when attending 4-H shows, plowing matches, or agricultural fairs
  • Farmers’ market liability: liability insurance protects your business against lawsuits in the crowded environment of a farmers’ market, where accidents can—and sadly do—happen

Beyond liability insurance, AFA producer members also receive exclusive benefits from The Co-operators that can help you save money, including:

  • up to 24 additional coverage options on your farm insurance
  • special travel and policy discounts
  • enhanced home insurance coverage
  • competitive plans for medical, dental, life and disability insurance

In addition to being connected to The Co-operators through our corporate partnership, AFA is proud of our long history as a member-owner of the company. Founded by a small group of prairie farmers in 1945, The Co-operators today continues to sponsor rural youth through 4-H and provide specialized farm insurance to producers across Canada. For more information on the liability insurance options offered by The Co-operators to farm producers in Alberta, contact your local Co-operators agent, or visit The Co-operators website.

To find out more about how you can become an AFA member today and save money through the special member benefits we have developed with The Co-operators, Mark’s Work Wearhouse and Fiat Chrysler Automobiles (FCA Canada), visit our website.

AFA Summer Meeting keeps finger on pulse of agriculture issues

The Alberta Federation of Agriculture (AFA) Board met in mid-June for their annual Summer Meeting, and were pleased to host a number of guests from key industries that are connected to agriculture.

Three groups presented on a wide range of issues that have the potential to significantly impact Alberta’s agriculture industry. AFA provided input and ideas.

Alberta Utilities Consumer Advocate

Established in October 2003, the Office of the Utilities Consumer Advocate (UCA) has a mandate to educate, advocate, and mediate for Alberta’s residential, farm, and small business electricity and natural gas consumers.

Since agriculture businesses can be greatly impacted by utility rates – especially large users like producers with hog barns, food processors or greenhouses – a UCA representative shared an overview and answered questions about Alberta’s Electricity Regulatory System.

New Agricultural Policy Framework

Alberta producers may be familiar with the Growing Forward 2 (GF2) programs that are part of a federal-provincial-territorial (FPT) partnership. These programs seek to help the agriculture and food industry reach its full potential by focusing on productivity, profitability and competitiveness in a global market.

The current program expires March 31, 2018, and federal and provincial policymakers are now gathering producer input on the future of the next agricultural policy framework (APF). Read more about this on our recent blog (link May AFA blog).

Representatives from Alberta Agriculture and Forestry met with the AFA Board at our Summer Meeting to discuss the impacts of potential refinements and opportunities for Alberta farmers in the new policy.

“AFA’s mandate of advocating on behalf of Alberta farmers and ranchers means AFA directors are integrally involved in policy development and feedback,” says Rick McConnell, AFA Interim Executive Director. “Helping to shape the next stage of the APF is just one example where AFA directors share their expertise to move agricultural policy development forward.”

Alberta’s Crop Insurance Programs

As changes and updates to crop insurance programs occur in Alberta, AFA is involved in consultations with Agriculture Financial Services Corporation (AFSC) to provide the perspective of Alberta’s crop and pasture producers.

During this session, AFA provided feedback on crop damage compensation for wildlife and vandalism, on-farm best management practices, refinements to coverage and premium assessment, advancing electronic interaction between AFSC and their clients as well as the potential to expand use of weather-based products.

AFA’s Board and Directors will continue to be proactive with these types of discussions and ensure that agriculture’s voice is heard loud and clear.