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Is Walter’s Tractor Covered?

IT IS!

The liability insurance on your tractor covers both on-farm and on-road incidents. Now we’re not saying it’s a good idea to simply take that new powerhouse out on the Concession for a joy ride. In fact, we advise against it. But normal use, traveling from section to section, etc., is covered. With the right Commonwell policy and independent broker, you’ll always know where you stand. If you think your current coverage is something less than ideal, we can hook you up with a really smart broker today, right here.

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Or take the rest of the Commonwell Farm Insurance IQ Quiz here and see how you score.

TEST YOUR farm & agri-business insurance iq

You know a lot about farming and how much it has changed. But do you know about farm insurance and what you need to cover? Now is the time to find out. Take our Quiz.

1. Can I insure my ATV or gator on my farm property policy?

Only if you promise to drive it like a 90-year old granny with a soft gas pedal foot.

Only if your farm is south facing and you restrict driving to the morning hours only.

You've got to be kidding. We've seen you drive. You need an Ontario Auto Policy for those vehicles.

It's your farm and it's no one's business what you do on it, or what you drive.

2. My tractor is wicked fast - can I drive it on the road?

Only if by ‘wicked fast’ you mean it has racing slicks and a through-chassis muffler system.

Yes - your liability on the tractor extends from your farm liability policy to operate the tractor on the roadway.

If your insurance broker or agent has never been to a farm, you can probably get away with it.

No - you need a separate auto policy for your tractor if you use it on provincial roadways.

3. I buy new machinery every year because the machinery I bought last year is plumb tuckered out. Is my new machinery automatically covered?

Only if you scratch it up a little so you can claim it is your old machinery. Fresh paint is overrated.

Never - this is an opportunity for your insurance provider to ratchet up your insurance costs.

Yes - as long as you notify your insurance provider within 30 days.

No - you have to re-write your policy every time you add new equipment to it.

4. Do I really need farm liability insurance if I’m just renting my land to a farmer?

Yes, you do. Further, the farmer that you are renting to must also have his insurer extend liability to your property.

No, you don’t. As long as the farmer renting your land has adequate coverage themselves, you’re in the clear.

Who you rent your land to is absolutely up to you and no one can take away your freedom. Or insure you for that. Good luck!

Yes, but it depends on what kind of operation that guy is running over there. A broker or agent will come to check it out and pass judgement on things like the boots they wear, and ask if they were purchased on sale or at full recommended retail price.

5. I have enough fencing to erect a wall between countries. Is it covered in my farm property insurance policy?

Yes - your fence is considered part of your building (Coverage A) and is covered for all perils listed in your policy.

No - fences are old school and insurance companies are promoting free-range everything.

No - fences are not attached to the primary farm structure and are therefore not covered.

Yes - all your fences are covered except for the gates.

6. I have horses that are boarded at a different location than my farm. Are they still covered under my policy?

Yes - but liability is restricted unless the structure where the horse is boarded away from your farm is a licensed horse boarding establishment.

Yes. Liability is extended from your farm policy and follows the horse wherever you board it or let it roam.

No - when your horse leaves home, it's on its own and not covered.

If the horse is a millennial horse, it is always covered. If it's a boomer horse, it's on its own and not covered.

7. What about if my livestock falls in a hole and dies?

You should hope the cow had all its affairs in order and start assembling finger sandwiches for the wake.

You are responsible for filling holes on your property.

If you have “Entrapment” coverage including casting you would be covered.

As for holes, most insurance companies will cover a few if you invite them over and provide shovels.

8. What type of insurance are you looking for today? (Select all that apply)

SEASONAL COMMERCIAL RESIDENTIAL AUTO WATERCRAFT

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