Grounded in Alberta Agriculture.

We don't just insure farms; we live on them. From grain operations to livestock, we understand that your farm isn't just a business—it's your legacy.

Request a Farm Visit

Boots on the Ground. Not in a Call Centre.

Trying to explain the difference between a swather and a combine to an agent in Toronto is frustrating. You need a broker who knows that when the sun is shining, downtime isn't an option.

Service Level Direct Writer / Bank McDonald Agencies
Site Visits Google Maps Satellite View We come to your yard
Machinery Lists You email a spreadsheet We review it with you annually
Claims Advocacy "Computer says no" We fight for your harvest
Knowledge Generalist Agents Specialized Ag Brokers

Complete Ag Protection

🚜 Machinery & Equipment

We offer both Scheduled (itemized) and Blanket coverage. Blanket coverage is ideal for smaller tools and attachments, reducing the admin headache of listing every single auger.

🏠 Farm House & Outbuildings

Protecting the homestead is personal. We ensure your dwelling has Guaranteed Replacement Cost, and your shops, barns, and bins are insured for their functional value.

🐮 Livestock & Produce

Whether it's a cow-calf operation or stored grain, we protect your inventory from fire, lightning, transport accidents, and theft.

⚖️ Farm Liability

Farming is dangerous. We provide high-limit liability to protect you if livestock escapes onto a road, or a hired hand gets injured on site. Pollution Liability (chemical drift) is also a key discussion.

Harvest Saver Decoder

The biggest risks to a farmer aren't always fire. They are mechanical.

Loss of Use (Machinery)
The Harvest Saver. If your combine catches fire in September, you can't wait 3 weeks for a claim cheque. This coverage pays for a rental unit immediately so you can get the crop off.
Ingestion of Objects
If your combine sucks up a rock and destroys the internal drum/rotor, standard insurance might deny it as "wear and tear." This endorsement specifically covers that internal damage.
Fodder & Threshed Grain
Grain in the bin is money in the bank. We ensure your stored crop is covered against fire, moisture, and heating issues.
Non-Owned Machinery
Borrowing a neighbor's baler? Or renting a tractor for a week? This covers equipment you are using but don't own, so you aren't liable if you break it.
Power Interruption
Critical for livestock (Hogs/Poultry/Dairy). If a storm kills the power and the ventilation fans stop, this covers the resulting loss of livestock or milk spoilage.

BROKER INSIGHT: The Co-Insurance Clause

Many farmers undervalue their tools to save premium. Dangerous move. Most farm policies have a Co-Insurance clause (often 80% or 90%). If you only insure your $100,000 toolset for $50,000, the insurer can penalize you on any claim—even a small theft. We help you calculate accurate values so you never get hit with a penalty.

Let's review your list.

Equipment values have skyrocketed in the last 3 years. If you haven't updated your policy recently, you are likely underinsured.


Schedule a Farm Review

Or call us at (403) 335-3442