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.
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.