Supplementary Coverage Options

We think you are special

Many companies can sell you farm insurance, but not many of them have roots in the same hometowns. At Middlesex Mutual Insurance, we know who you are because we come from the same place. That difference matters.

The world is changing and so is farming. We use our financial strength to provide innovative insurance solutions that ensure peace of mind.

So, whatever your needs, a Middlesex Mutual agent is ready to help.

We offer a wide range of supplementary insurance coverage including:

Alternative renewable energy systems (eligibility requirements)

Renewable energy and farming are a winning combination

Harvesting wind, solar, and biomass energy can provide farmers with a long-term source of income. Many farm operations have already installed solar panels or wind turbines on their property to compensate for the cost of hydro or as future investment income.

Middlesex Mutual has the coverage you need for these newer energy systems including:

  • Anaerobic Digesters (Biogas)
  • Biomass
  • Micro-Hydro
  • Solar/Photovoltaic (PV)
  • Wind Turbines

Talk to your Middlesex Mutual agent today. They would be happy to discuss the right coverage for your system.

Antique tractors

Are you an antique tractor enthusiast?

As an antique tractor collector, you need insurance coverage that is designed specifically for your antique tractors and related equipment. Are your tractors at least 30 years old and no longer in active farm use? Middlesex Mutual has coverage that is right for you.

Enjoy showing your collection off at shows?

We have the coverage you need, talk to your Middlesex agent today.

Bed and breakfast program

The best of both worlds

Our Bed and Breakfast protection package combines important protection for you and your guests. It’s residential and commercial coverage combined, and in a way that is just right for your Bed and Breakfast.

Home sweet home. Whether you have a couple of rooms or up to six rooms, we have coverage that will protect your needs.

A Middlesex Mutual agent is ready to help.

Commercial fleet Insurance

Fleet insurance for your farm vehicles

Our fleet insurance offers a one-stop shop for coverage. That means streamlined claims and pricing that is more competitive than ever.

A Middlesex Mutual agent is available to discuss how we can help.

CyberOne coverage – computer attack and network security liability

Data security insurance products that address several key data security exposures

Virtually every business relies on data and computer systems. When these systems experience a virus or other computer attack, a business is at risk of losing critical information. This information is frequently essential to daily operations.

CyberOne insurance helps pay for the costs associated with restoring computer software and recovering data. Moreover, this coverage protects against third-party liabilities a business might have because of a failure of system security.

Please call your Middlesex Mutual agent to learn more.

Data compromise coverage

Data security insurance products that address several key data security exposures

Nearly every business has information on clients, employees and others. Data susceptible to theft, “hacking” or loss through accidental release.

Designed to help businesses notify and assist their clients and others following a breach of personal identifying information. Data compromise coverage is there to help you respond to the financial burden and service expectations of a data breach.

Data Compromise coverage also offers defense and liability coverage. To respond to third party actions brought against your business by individuals affected by the breach.

Please call your Middlesex Mutual agent to learn more.

Equipment breakdown

Flexible, affordable protection for your high-tech equipment.

Today’s farms are more sophisticated than ever, with equipment that can break down, suddenly and accidently.

  • A power surge takes out the circuit board on an automatic dispensing pump.
  • A boiler overheats because of a pump failure.

You might be surprised to know property insurance for your farm does not cover accidental equipment breakdown. Middlesex Mutual can offer you coverage that protects your valuable equipment and the income it helps generate.

Please call your Middlesex Mutual agent to learn more.

Heat prostration - hog and poultry exposures (eligibility requirements)

Heat stress is a major cause of hog or poultry mortality.

Heat stress is a condition in which the body temperature is so high above normal it interferes with bodily functions and can lead to extreme physical exhaustion and death.

A faulty electrical panel could be enough for a fan to stop working leading to a compromise of the ventilation system. This coupled with extreme heat outside poses a significant risk for heat prostration losses to confined hogs and poultry.

Please call your Middlesex agent to learn how you can add this important coverage.

Unmanned Air Vehicle, or drone technology for agribusinesses

UAV Coverage - Do You Need It?

Unmanned Air Vehicles (UAV), also known as drones, come in various forms - some look like helicopters and some look like planes. They can vary in size from a hand’s width to the 60-foot wing spans found in the military.

When flying a non-recreational drone (UAV) in Canada, you must follow the rules in the Canadian Aviation Regulations. Most insurance policies exclude commercially used drones and require specialty insurance. At Middlesex Mutual, we have the insurance coverage you need to fly your drone when used for agricultural purposes.

There is a lot to know about UAVs. Talk to your Middlesex agent today for more details.

Modern insurance for today’s farmers

Be sure you have the best plan in place to protect your property and your assets from damage or liability. At Middlesex Mutual, our coverage includes the ground controls and the equipment affixed to the device itself.

UAVs can be very helpful for your agribusiness such as:

• Crop surveillance

• Crop health imaging

• Field measurement

• Improving water use

• Pest identifying

• Security

• Livestock monitoring, and more.

You are ahead of the game and so are we.

Middlesex Mutual, your preferred agri-business insurance provider.

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.