The farm is the heartbeat of the rural community. Whether it’s been in the family for generations, is an owned business, or part of a larger operation, the farm is a place many call both home and business.

Salus Mutual (formerly Howard Mutual and West Elgin Mutual) has been part of the farming community for more than 140 years. In fact, many early pioneers of Ontario’s rural communities were the very same people involved in forming local mutual companies. With our grassroots knowledge of local farming, it’s not surprising that Salus Mutual has remained the leading source of farm insurance protection in this area – generation after generation.

We’ve watched the agricultural landscape change over the years. We know that choosing an insurance program is an important part of the success of any farming operation. Between accidents, mechanical breakdowns, and natural events, managing your risk with appropriate coverage is absolutely crucial.

You need someone who thoroughly understands agri-business both on an operational level, and on a personal level. Our farm insurance program provides you with many coverage options, which include*:

• Farm dwellings, including personal property, living expenses, and personal effects
• Outbuildings
• Livestock and produce
• Machinery and equipment
• Limited pollution liability
• Livestock mortality for cattle and horses
• Harvested crops, seed, commercial feeds, herbicides, pesticides, and fertilizers
• Potential loss of income following an insured property loss
• Personal liability
• Liability coverage for your farm operation

Salus Mutual not only provides progressive, affordable coverage for your entire operation, we’re there when you need us with expert and compassionate service, such as at the time of a claim.

*Highlights only. Actual policy wordings govern. Coverage availability subject to underwriting eligibility and guidelines.