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Oracle RMS Insurance

Agribusiness Insurance

Industry Insurance — Oracle RMS Insurance

Agribusiness Insurance

Insurance for farms, agricultural businesses, and food producers across Canada.

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Agricultural businesses face a unique combination of property, liability, and operational risks — from crop losses and equipment breakdowns to product liability for food products and environmental liability from agricultural chemicals. Oracle RMS works with farm operators, food producers, and agribusinesses to build insurance programs that address the full scope of their risk.

Who needs this coverage?

Farm operators, grain producers, livestock operations, greenhouse and nursery businesses, food processors, agricultural equipment dealers, and any business involved in the production, processing, or distribution of agricultural products.

Key coverages

  • Farm property (buildings, equipment, livestock)
  • Commercial general liability
  • Product liability (food products)
  • Pollution liability (agricultural chemicals)
  • Commercial auto and farm vehicles
  • Equipment breakdown
  • Business interruption
  • Trade credit insurance
  • Umbrella / excess liability

Frequently Asked Questions

What is agribusiness insurance?
Agribusiness insurance is a broad term for insurance programs designed for agricultural operations — farms, food processors, and related businesses. It typically combines farm property, liability, equipment, and specialized agricultural coverages into a single program.
Do farmers need product liability insurance?
Yes. Farmers and food producers that sell products directly to consumers or through distributors face product liability exposure if their products cause illness or injury. Product liability is particularly important for operations that process or package food products.
What is pollution liability for agricultural operations?
Agricultural operations that use pesticides, herbicides, fertilizers, or store fuel face pollution liability exposure. Standard CGL policies exclude pollution claims. A pollution liability policy covers cleanup costs and third-party claims arising from agricultural chemical incidents.
Does agribusiness insurance cover equipment breakdown?
Equipment breakdown coverage can be added to an agribusiness policy to cover the cost to repair or replace farm equipment — tractors, combines, irrigation systems — that breaks down due to mechanical or electrical failure. Standard property policies exclude mechanical breakdown.
What is trade credit insurance for agribusiness?
Trade credit insurance protects agribusinesses that sell on open account terms against customer insolvency or non-payment. It is particularly valuable for grain producers and food processors that sell to large buyers on extended credit terms.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

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* Commercial insurance services available across Canada, excluding Quebec.