Farm Coverage

We value farming…

The farm is the heart beat of the rural community. Whether it’s been in the family for generations or an owned business or part of a larger operation, it’s a place many still call home. For many people in rural communities, it’s both home and business. 

West Elgin Mutual has been part of the farming community for more than 130 years. In fact, many early pioneers of Ontario’s rural communities were the very same people involved in forming local mutual companies.  With our grassroots knowledge of local farming, it’s not surprising that West Elgin Mutual has remained the leading source of farm insurance protection in this area – generation after generation.

We’ve watched the agricultural landscape change over the years. We know that choosing an insurance program is an important part of the success of any farming operation. Between accidents, mechanical breakdown, and Mother Nature, managing your risk with appropriate coverage is absolutely crucial.

Great ways to insure with West Elgin Mutual

You need someone who thoroughly understands agri-business both on an operational level, and on a personal level.  With West Elgin Mutual, you can have the peace of mind in knowing you’re placing your trust in a neighbour.

Our Farm Insurance Program provides you with many options:

  • Machinery coverage for all external perils, damage to non-owned or leased machinery, including loss of use and replacement costs
  • Building coverage for either broadform or named perils coverage, replacement costs and reconstruction or renovation costs due to changing bylaws
  • Produce coverage for seed, fertilizers, herbicides, pesticides and commercial feed
  • Livestock coverage with standard or broadform coverages available for cattle, swine, poultry and horses
  • Loss of income coverage for ongoing and extra expenses after a unexpected loss
  • Public Legal Liability for corporate and family farms, environmental pollution coverage and extensions for public work


We’re what every farm needs – a helping hand!

We value our history

West Elgin Mutual has roots that go back over 130 years. Today, we’re 1 of 44 Ontario mutual members strong in the communities where we began more than a century-and-a-half ago.

West Elgin Mutual not only provides progressive, affordable coverage for your entire operation, we’re there when you need us with expert and compassionate service – such as at the time of a loss or claim.

What’s more, we’re also your partner, with an extensive loss prevention service that includes on site inspections, fire extinguisher and theft reduction programs, right down to reflective tape for your farm machinery.

It’s what you’d expect from a friend, a neighbour and an organization that’s part of the fabric of your community.

It’s good to know your neighbours.

West Elgin Mutual provides innovative, personalized products for residential properties, automobiles, contractors, businesses, and farm operations.  Although we’re independent companies, together we form one of the most financially secure insurance networks anywhere in the world.

That’s a comforting fact in times like these. 

Ontario Mutuals collaborate to develop insurance solutions that suit rural living in Ontario. You can rest assured that we’ll be here with the products and claims services you need. So whether it’s the family farm or part of a larger operation, we deliver all you need to keep your business running safe. 

Our service is there when you need it – all the time.

We know that downtime on a farm is costly and our goal is to get your operation back up and running as quickly as possible with swift, detailed claims service that treats you like a neighbour. Not a number.

With the strength and service of West Elgin Mutual behind you, you can get on with what's important – living!