End of the agricultural season
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Forest property owners
Insurance for forest property owners and producers who are members of the Fédération
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An offer for members of the Fédération des Producteurs Forestiers du Québec
Your forest property exposes you to risks that your home insurance does not necessarily cover. A tree knocked down by wind, a fire, an incident involving a third party on your land: these situations carry real financial consequences.
The needs of a forest producer differ from those of a residential property owner. A private woodlot raises its own specific issues, including property damage, stand restoration, and general liability.
Finding coverage suited to this context is not always simple. Market offerings do not always account for the particularities of a private forestry operation in Quebec. This program was developed in partnership with Canadian Forest Owners (CFO) to address this reality.
A La Turquoise broker can help you assess your needs and explore the coverage available.
Are you a member of the Fédération? Discounts on your personal auto and home insurance are also available to you.
A partnership between La Turquoise and the Fédération des Producteurs Forestiers du Québec
La Turquoise works with the Fédération des Producteurs Forestiers du Québec to support members in their insurance planning. It takes into account the realities specific to managing a private forest property in Quebec.
You are leaving La Turquoise’s website
This link leads to the website of the Fédération des Producteurs Forestiers du Québec, a partner on this page. You can find more information about the Fédération there.
Coverage to consider for your forest property
See what the coverage includes- Damage to your woodlot: a fire, windstorm, or ice storm can destroy or damage part of your forest stand. This coverage applies to losses on your wooded property based on the insured value.
- Reforestation and debris removal: after a loss, restoring a woodlot involves significant costs. This coverage contributes to cleanup and replanting expenses on your land.
- Firefighting: if a fire threatens your forest property, costs may be incurred to contain it. This coverage covers part of the costs related to these interventions.
- Forest property owner general liability: an accident on your land creates liability for you, even if your property is not open to the public. This coverage covers bodily injury or property damage claims from a third party.
- Malicious damage: your woodlot can be the target of intentional acts. This coverage applies to damage caused to your property in this context.
What this partnership means in practice for members of the Fédération des Producteurs Forestiers du Québec
Discover what this means for your forest property- Your woodlot is assessed based on its specific characteristics: stand type, area, tree age, and loss history.
- A broker understands the realities of a private forest property. You do not have to explain what a stand, windthrow, or forest management plan is.
- The risks associated with a private woodlot in Quebec are factored into the assessment of your needs.
- The program brings your two areas of coverage together in a single process: damage to your woodlot and your general liability as a landowner.
- Your membership in a union affiliated with the Fédération des Producteurs Forestiers du Québec is the starting point of the process.
Save on your premium
La Turquoise’s insurance brokers will help you find the discounts that apply to your situation. These savings vary depending on your profile and coverage. They make it easy to lower your rates.
Car and home insurance discounts
Bundling auto and home insurance with La Turquoise can lower the premium. The broker explains the possible savings based on the situation.
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Multiple vehicles
Bundling insurance policies with the same provider may qualify the policyholder for a discount. This option often applies when multiple drivers from the same household are insured together.
Safe driver/personalized premium program (based on driving habits)
A claims-free driving record may qualify for a discount. Some insurers also offer a program that analyzes driving habits and adjusts the premium accordingly.
Recommended coverages
The plan covers professional liability and general liability. Extra coverage may be available to supplement the policy depending on the situation.
Equipment and machinery at replacement cost
A new feller-buncher can be worth several hundred thousand dollars. In the event of a total loss, you are compensated at the replacement cost, with no depreciation calculation.
- A feller-buncher destroyed in a fire is replaced at a full new price.
- A bulldozer damaged in a loss is compensated without any reduction in value.
General liability
An accident on a job site can make you liable to third parties. This coverage applies to all your operations, even if you have not purchased any other coverage.
- A third party is injured on your job site during a logging operation.
- Equipment causes damage to infrastructure during skidding.
Environmental general liability
Storing fuel in the forest carries real risks. In the event of an accidental spill, decontamination costs for the insured site and adjacent sites are covered.
- A tank cracks and fuel spills onto the forest floor.
- Equipment failure causes an oil leak near a waterway.
Your questions about insurance for forestry contractors
These questions come up often regarding forestry machinery insurance in Quebec. This section answers the most frequently asked questions. It aims to help you better understand the coverage available, the applicable obligations, and the factors that can affect your coverage.
Forestry machinery insurance covers your equipment against damage, theft, and total loss. It also includes general liability, environmental liability, and expenses related to losses in the forest.
Coverage can include getting equipment unstuck, towing costs, SOPFEU intervention, and site decontamination. Felled wood, tools, trailers, and the garage can be added based on your needs.
Yes. All your forestry equipment can be grouped under a single contract. Feller-buncher, bulldozers, articulated trucks, and delimber: each machine is declared individually with its insured value.
Grouping your equipment simplifies the management of your coverage and makes the claims process easier.
Yes. General liability is mandatory for every forestry contractor, regardless of the size of the business. An accident on a job site can make you liable to third parties, even during what seems like a simple operation.
This coverage is included in your forestry machinery insurance contract.
Renting equipment to third parties can change the terms of your coverage. It is important to report this to your broker before proceeding. A La Turquoise broker reviews your contract and confirms the adjustments needed based on your situation.
Felled wood can be covered against theft, fire, and certain types of damage. This coverage is added to your contract subject to specific eligibility conditions.
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