Risques dans les fermes d'agrément
Cette série dresse le portrait d'exploitations agricoles fictives avec des activités agricoles, des couvertures d'assurance courantes et quelques risques communs. Commencez par notre article d'introduction sur les fermes d'agrément !
Hobby Farm: Flowers and Bees
“Earth laughs in flowers.” ― Ralph Waldo Emerson, Hamatreya
“In joy or sadness flowers are our constant friends.” ― Okakura Kakuzō, The Book of Tea
“I must have flowers, always, and always.” ― Claude Monet
Flowers have been a subject of fascination for artists and writers, and of course the rest of us, for a very long time. For someone with a love of flowers, owning a larger property might be the opportunity to cultivate the flower garden of their dreams! Why not share a bit of it with a small, roadside bouquet stand paired with jarred honey? Spread across 20 acres in Leduc County, AB, this fictional hobby farm features:
- Two houses
- Atelier
- Three sheds storing tools, buckets, and farming implements
- One beehive with assorted beekeeping equipment
- Vegetable garden
- Three flower gardens
- Irrigation systems and supplies
- Small refrigeration unit
Couvertures d'assurance courantes
Chez Mutual Fire Insurance, un grand nombre de nos produits d'assurance offrent une gamme d'options, y compris les risques de base, les risques limités, les risques étendus et la couverture complète. Les polices d'assurance pour les fermes d'agrément comprennent une protection pour la maison et la responsabilité personnelle, ainsi que pour la ferme et la responsabilité agricole. Avec votre courtier d'assurance, vous pouvez choisir les garanties et les montants d'assurance les mieux adaptés à vos besoins.
Here are some popular insurance coverages for beekeeping hobby farmers with flower sales.
Beekeepers
This coverage can support the policyholder if hives and extracting equipment are damaged by an insurable loss. Typically, it will not pay for loss or damage to the bees or cocoons.
Farm Stock
This coverage protects merchandise and materials to prep for sale, such as bouquet sleeves, buckets, and jars.
Brands and Labels
If honey and flowers are already packaged and branded for sale, this coverage can respond for an insured loss by adding coverage to pay for the cost of reidentifying the products.
Bâtiments agricoles
Coverage is available for buildings and attached equipment used in farming operations or designed for farming. For example, the workshop and sheds on this fictional hobby farm.
Risques liés à l'élevage d'agrément à connaître
This fictional farm has a second home which is rented to tenants. While the hobby farmer doesn’t necessarily need to protect the contents of the house (the contents are the responsibility of the tenant), they do need to protect the structure. By adding insurance coverage for a rented dwelling, the hobby farmer transfers the risk to the insurance company.
Some policyholders also choose to add coverage to replace rental income. If the rented house is damaged by an insurable loss, and tenants cannot live there, this coverage can respond to make up for the lost rental income.
Keeping bees also presents risk: swarming bees, allergy risk to third-parties, and damage to the hive and colony. Tips to help protect your bees:
- Educate yourself with a professional beekeeping course
- Choose the best location for your hive, factoring in climate and the balance of shade and sun
- Monitor your bee colony closely
When farming for cut flowers, there are a few risks to be aware of. If you have a cooler, proper maintenance of the refrigeration will minimize the risk of equipment breakdown, ensuring your flowers maintain their quality and last as long as possible before sale.
When storing cut flowers prior to sale or while in transit, insurance coverage can be purchased for those harvested flowers that haven’t been sold yet.
When selling at a farmers market, you may be required by the market to provide proof of liability insurance to sell! Liability coverage can also support third-party risks when there are farm gate bouquet sales. For example, if a person injures themself on your property while purchasing a bouquet and sues you for damages.
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