Insurance for Farming

What Is Farm Insurance?

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Working on the land brings many rewards – but just as many risks. As a farm owner, you’re vulnerable to bushfires that can destroy livestock or damage your buildings and other property; machinery breakdown which can cost you time and money; personal illness or a serious accident; or even a claim from a guest injured on your property.

 

That’s why farm insurance can help protect your farm and its produce, and the wellbeing of you, your family and the people that pass through your property

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Who Should Consider Insurance?

 

Whether you’re a large-scale crop grower or livestock producer or a small family or hobby farm, farm insurance can help protect your farm, its produce and livestock – and the people who benefit from it.

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What Can Insurance Cover?

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Farm insurance can be tailored to cover your home and farm buildings, livestock, vehicles, equipment and more. It can also safeguard you against theft and loss of income. For example, a typical farm insurance pack can cover:

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• Home Property

• Farm Property

• Public and Products Liability

• Accident and Sickness Cover

• Livestock

• Machinery Breakdown

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What Usually Isn't Covered?

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Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. Policies generally won’t include cover for: • Loss or damage to property caused by gradual deterioration or wear and tear.

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• Flood

• Loss caused by earth movement unless the earth movement occurs within 72 hours of certain events.

• Damage caused by tenants unless the risk is accepted by the insurer.

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