{"id":8850,"date":"2020-04-06T11:29:00","date_gmt":"2020-04-06T11:29:00","guid":{"rendered":"https:\/\/301webdemo.com\/oegema\/?p=8850"},"modified":"2026-02-06T05:07:35","modified_gmt":"2026-02-06T05:07:35","slug":"hobby-farm-what-you-should-know-about-insuring-it","status":"publish","type":"post","link":"https:\/\/www.ona.ca\/blog\/hobby-farm-what-you-should-know-about-insuring-it\/","title":{"rendered":"Hobby Farm? What You Should Know About Insuring It"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8850\" class=\"elementor elementor-8850\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f79c98a e-flex e-con-boxed e-con e-parent\" data-id=\"f79c98a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea953e8 elementor-widget elementor-widget-text-editor\" data-id=\"ea953e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"excerpt\">If you live on a hobby farm, you might assume your home insurance has you covered; however, there are many things a hobby farm has that most properties don\u2019t. This leaves you vulnerable to losses should you encounter issues. Whether it\u2019s fire, flooding, storms, vandals or theft, your hobby farm has additional challenges that require coverage of their own. Here we review what you should know about insuring your hobby farm, so you aren\u2019t left holding the bag if something happens.<\/p><h2 class=\"title\">Addressing Gaps in Coverage<\/h2><p>The only way to make sure you don\u2019t have gaps in your insurance is to make sure you have the right insurance. Regular home insurance is not designed to address the specifics of a hobby farm. You have to look at everything you do on your hobby farm and the risks these aspects pose for potential lawsuits. We can advise you on the exact coverage you will need from your farm operations to your equipment, and from visitors being allowed to participate in aspects of the farm, to any commercial activity you might be operating.<\/p><h2 class=\"title\">Farm Liability<\/h2><p>Every hobby farm has its own unique needs. For example, you might have livestock on your farms, such as a cow for milk, or chickens for fresh eggs. You might grow a small field of hay to feed your livestock and harvest it using specialty equipment. All of these things are covered by special farm liability insurance. It can be customized to meet your special farm-related needs, such as:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb539b2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fb539b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Public liability \u2014 due to farming operation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Renting farmland to another farme<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Non-owned livestock liability<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"26\" viewBox=\"0 0 27 26\" fill=\"none\"><path d=\"M25.025 14.4289C24.064 19.2336 20.4413 23.7577 15.3579 24.7687C12.8786 25.2624 10.3068 24.9614 8.00858 23.9084C5.71037 22.8554 3.80294 21.1043 2.5579 18.9042C1.31285 16.7041 0.79365 14.1673 1.07423 11.655C1.35481 9.14267 2.42086 6.78291 4.12059 4.91171C7.6069 1.07178 13.4936 0.0147454 18.2984 1.93663\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M8.68945 12.5069L13.4942 17.3116L25.0255 4.81934\" stroke=\"#E8792A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Accident liability for you, \u201ccustomers\u201d, visitors, neighbours, etc.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bda7f5a elementor-widget elementor-widget-text-editor\" data-id=\"bda7f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You have to look at everything you do on your hobby farm and the risks these aspects pose for potential lawsuits. Share this information with your insurance company so they can advise you on the exact coverage you will need from your farm operations to your equipment, and from visitors being allowed to participate in aspects of the farm, to any commercial activity you might be operating. Without proper coverage, when something goes wrong, you could be on the hook for thousands or even hundreds of thousands of dollars, depending on what type of lawsuits you might face.<\/p><h2 class=\"title\">Transporting Animals<\/h2><p>If you raise prize chickens or other livestock you take to local fairs, or you even have a travelling petting zoo, you need coverage when livestock is transported. Off-farm activities are not covered by home insurance or even most\u00a0<a href=\"https:\/\/www.ona.ca\/farm-insurance\/\">farm insurance<\/a>. You need special insurance for coverage if you participate in these types of activities or business endeavours. If your animals are injured, or if they cause injury, you will be the one to pay for losses and damages.<\/p><h2 class=\"title\">Farm Vehicles<\/h2><p>There are also all of your vehicles, including recreational vehicles such as UTVs and ATVs. While you might have arranged for your recreational vehicle insurance, you might overlook your farm vehicles such as tractors or trailers to transport animals. All of these vehicles can be damaged in accidents, and without coverage, you will be responsible for paying for repairs. This can be very costly, so making sure you have coverage for all of your farm vehicles is a must.<\/p><h2 class=\"title\">Commercial Operations<\/h2><p>Many hobby farm owners have some basic things they choose to sell, such as fresh eggs, fresh-cut flowers or perennial bulbs, honey, or small batches of vegetables. Because of this, you want to look at your\u00a0<a href=\"https:\/\/www.ona.ca\/blog\/\">commercial farm produce insurance options<\/a>\u00a0to make sure you are covered should you lose any of your assets, or as mentioned above, a customer is injured or even made ill by food items you sell. You need special allowance when you own acreage for a market garden or grazing land for your livestock, and of course, the livestock itself. Your circumstances should be assessed, so you know everything is covered. You face more potential disasters as a hobby farm owner and therefore want to make concessions for those risks. Remember, even if your commercial operations are very limited, you should also consider coverage for loss of income. You need to keep your livestock fed and be able to pay your medical bills, as well as veterinary bills. Proper insurance will look after all of these unexpected eventualities. We can work with you to provide a\u00a0customized <a href=\"https:\/\/www.ona.ca\/hobby-farm-insurance\/\">hobby farm insurance<\/a> policy\u00a0that addresses all of your specific needs. This is one area where tailor-made insurance is a must to cover all your bases and ensure you are not faced with unexpected events that can lead to the loss of your home or bankruptcy. To learn more about insuring your hobby farm, call Oegema Nicholson at 613-704-7766 or\u00a0<a href=\"https:\/\/www.ona.ca\/contact-us\/\">contact us here<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you live on a hobby farm, you might assume your home insurance has you covered; however, there are many things a hobby farm has that most properties don\u2019t.<\/p>\n","protected":false},"author":4,"featured_media":8852,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[65,64,68,70,69,67,66,71],"class_list":["post-8850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-advice","tag-cyber-and-privacy-insurance","tag-cyber-endorsement","tag-cyber-insurance","tag-cyber-liability","tag-cyber-risk","tag-cyber-security","tag-cyber-security-insurance","tag-ona-insurance-ottawa-cyber-security"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/8850","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=8850"}],"version-history":[{"count":17,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/8850\/revisions"}],"predecessor-version":[{"id":16583,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/posts\/8850\/revisions\/16583"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media\/8852"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=8850"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/categories?post=8850"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/tags?post=8850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}