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Diversified Coverage for Greater Security

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At Portage Mutual, we understand the diverse nature of farming operations and the many challenges you must meet every day. We know that farming is not just a job, it’s a way of life and that farm operations have unique insurance requirements.

With Portage Mutual, you have many choices for structuring your farm insurance:


  • home & personal property
    • broad or comp
    • single limit
  • agriculture property
    • fire
    • fire/ec
    • all risk
  • equipment & tools
    • blanket
    • scheduled
    • limited waiver
  • livestock
  • business interruption
  • extra expense
  • farm liability
    • limits $1,000,000 to $5,000,000

Farm Base Policy

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Every farm policy comes with these basic coverages:

  • blanket bylaws
  • conviction reward
  • corrals & fencing
  • cost of preparing proof of loss (including professional fees)
  • cost of restoring farm operations records
  • cross liability
  • emergency entry expense
  • exhibition extension
  • farm office furnishings & equipment coverage
  • fire department charges
  • good neighbour coverage
  • livestock vandalism
  • master key/lock repair or replacement
  • newly acquired livestock
  • newly acquired or constructed farm buildings
  • newly acquired or leased farm machinery & equipment
  • non-owned livestock
  • permission to custom farm & use machinery for custom farming (except spraying)
  • pollutant clean up & removal expense
  • private power & light poles
  • produce & packaging
  • supplies coverage
  • property in the custody of a common carrier
  • removal of property
  • veterinarian supply coverage
  • waiver of coinsurance

Universal Ag Enhancement

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When you elect to add this enhancement to your policy you will have the coverage that are under the base policy with increased limits such as:

  • corrals & fencing
  • exhibition extension
  • farm office furnishings & equipment
  • good neighbour coverage
  • permission for custom farming (except spraying)
  • pollutant clean up
  • private power & light poles
  • property in the custody of a common or contract carrier
  • veterinarian supply coverage

...as well as some new enhancement coverages:

  • accounts receivable
  • automatic fire suppression
  • brands & labels
  • debris removal (insured property)
  • dead stock removal
  • debris recycling costs
  • special debris disposition costs
  • feed & silage
  • livestock round-up coverage
  • salespersons samples
  • semen & semen tank coverage
  • tack
  • valuable papers & records
  • working dog coverage

Link: Manitoba PST Exemption Form for Farm

Coverages and limits are subject to change. This is a general description of coverages. Actual policy conditions govern. For a complete description of coverages please consult your insurance broker or the Agricultural Pro policy wordings.
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