Prairie Farms Grain Package

Red River Mutual’s comprehensive Grain Package is uniquely designed for you, the large grain farm operator, filling in the gaps left by the traditional farm policy.

For customized policy quotes, contact your preferred Red River Mutual Broker. To find your preferred broker, click here.


  • Primarily Grain Farming Operation
  • Minimum 3,500 acres owned or rented
  • Must have at least one person (or group) assigned to Safety Protocols / Loss Prevention
  • All farm buildings must be insured
  • Satisfactory claims history

Deductible and Discounts

The standard deductible for this Package is $2,500. Discounts are available for deductibles $10,000 and higher.


  • 3-year Claims Free 15%
  • $10,000 Deductible 7%

Description of Coverages


Blanket Coverage on All Agricultural Buildings including grain bins.

  • All Risk / Replacement Cost on all buildings
    • Less than 50 years – all steel
    • Less than 30 years – wood frame
    • 90% co-insurance
  • Fire and E/C – ACV for all older buildings
    • 80% co-insurance
  • Co-Ins Waiver ($10,000 or 2%)
  • No Dent Clause
  • Inflation Guard Endorsement applies to Buildings insured on Replacement Cost basis
  • Mortgage Rate Guarantee applies to Buildings insured on Replacement Cost basis

Other Coverages:

  • Blanket All Risk coverage on Agricultural Machinery / Grain Dryers including Replacement Cost up to 60 months old. Limited Depreciation Coverage on Equipment over 60 months old.
  • Blanket All Risk Replacement Cost on Tools, Equipment & Repair Supplies, not limited by age.
  • ATV’s covered under Blanket Agricultural Machinery if not subject to registration (Liability extension available)
  • Co-Ins Waiver on Agricultural Machinery ($10,000 or 2%)
  • Blanket coverage on Fertilizer / Chemicals / Pesticides / Herbicides (no signs of forced entry for Theft coverage at principal farm location)
  • Blanket coverage on Threshed Grain / Produce (no signs of forced entry for Theft coverage at principal farm location)

Enhanced Farm Coverage Endorsement

Accident Insurance $5,000
Arson Conviction Reward $10,000
Blanket By-Laws Coverage $20,000
Computer Coverage $10,000
Corrals and Fencing Coverage $5,000
Cost of Preparing Proof of Loss $10,000
Cost of Restoring Farm Operation Records $5,000
Cross Liability Coverage Included
Damage to Building by Burglary or Robbery $10,000
Debris Removal 5%
Exhibition Coverage $10,000
Extra Expense $25,000
Farm Office Furnishings and Equipment $10,000
Farm Sign Coverage $10,000
Farm Water System Coverage $10,000
Fertilizer, Chemicals, Pesticides or Herbicides $100,000
Fire Department Charges $25,000
Fuel and Fuel Tank Coverage $10,000
Good Neighbour Coverage $10,000
Newly Acquired or Newly Constructed Agricultural Property
a. Newly Acquired or Constructed Agricultural Buildings $500,000
b. Newly Acquired or Leased Agricultural Machinery and Equipment $250,000
c. Newly Acquired Livestock $5,000/animal, $10,000/occurrence
Pollutant Clean up and Removal Expense $10,000
Private Power and Light poles $5,000
Property in the Custody of a Common Carrier $15,000
Stacked Hay, Straw & Feed $5,000
Standing Crop Coverage  
Hay & Straw $20,000
Grain & Seed $20,000
Valuable Papers $10,000
Veterinarian Supply Coverage $5,000

Ag Equipment Breakdown Coverage

  • Provides coverage for damage caused by mechanical breakdown, electrical or electronic breakdown or rupture to pressure vessels, mechanical, electrical or electronic equipment.
  • Includes coverage for GPS equipment in Mobile Agricultural Equipment, Pollutant Clean Up and Removal, Expediting Expenses, Spoilage Coverage, Refrigerant Contamination, CFC Refrigerant replacement, Computer Equipment, Service Interruption, Livestock / Poultry, and Drying Out Coverage


  • $5,000,000 BI & PD coverage
  • $25,000 Voluntary Medical Payments coverage
  • $5,000 Voluntary Property Damage coverage ($1,000 Property Damage Deductible)
  • $5,000,000 Non-Owned Auto extension
  • Trade Show Liability
  • Employers Liability up to $100,000 payroll (coverage optional for higher payroll)
  • ATV Liability available (may be subject to sub-limit / contact Underwriting)

Consider Adding These Extras

  • Homeowners Package (and all coverages associated therewith such as Personal Articles Floater, etc.)
  • Home Equipment Breakdown Endorsement
  • Seasonal Properties
  • Livestock
  • Private Grain Elevators Seed Cleaning operations coverage available (subject to inspection and Underwriter approval)
  • Seed Growers Limited Liability Endorsement (subject to inspection)



Download — Prairie Farms Grain Package Brochure