Policies That Protect Your Livelihood
Whether you’re embracing farm life for the first time or managing a multi-generational agribusiness, we understand farms.
In 1856, a group of farmers came together to establish the companies that eventually amalgamated to form HD Mutual with a clear mission: to provide their community with dependable farm insurance at fair rates. Today, we proudly uphold their vision, offering unmatched expertise and local insight into our community’s agricultural landscape.
Ontario’s oldest farm Mutual
HD Mutual has protected farms for generations. Our experience allows us to safeguard everything from hobby farms to thriving enterprises. Trust in farm insurance from those who understand – it just makes sense!
Packages available for:
- Cash crop
- Licensed and unlicensed grain operations
- Dairy
- Hobby
- On farm markets
- Sustainable and organic farming
- Farm stewardship operations
- Agritourism (including, but not limited to, pick your own fruits and vegetables, celebration venues)
Optional Coverages available for:
- Outbuildings
- Rental dwellings or seasonal labour housing
- Farm machinery, including waiver of depreciation
- Equipment breakdown
- Farm earnings
- Livestock mortality
- Emergency veterinarian expenses
- Commercial feeds
- Seed
- Produce
- Milk contamination
- Herbicides, pesticides, and fertilizers
- Pollution liability
- Cyber liability
- Business interruption on farm earnings
- And more
Find the Right Coverage
Finding the right insurance coverage that balances protection and affordability can be daunting. With a multitude of coverages and discounts available, comparing quotes can feel intimidating, we want to help with that.
At HD Mutual, we simplify the process. Our agents and brokers go beyond simply reviewing your current coverage; we work with you to determine as best as possible your property replacement cost. This ensures that you’re adequately insured, particularly crucial during times of inflation and resource scarcity. We then tailor coverage recommendations and apply applicable discounts to make your insurance policy both comprehensive and cost-effective.
Farm Insurance Discounts May Include:
- Mature for age 50 and over
- Claims-free
- Multi-line for combining farm and auto insurance