Insurance for farmers and rural businesses
Farming businesses carry a unique mix of risks across homes, sheds, machinery, livestock, crops and vehicles, often spread over large properties exposed to bushfire, flood and storm. We work with grain growers, graziers, dairy farmers, horticulturists and lifestyle properties to build cover that fits the whole operation.
Risks farmers face
- Bushfire, flood and storm damage to buildings, fencing and crops
- Breakdown or damage to expensive machinery
- Livestock losses from fire, flood or theft
- Hay stacks and stored grain lost to fire
- Liability if stock wander onto roads or visitors are hurt
- Farm vehicles damaged on and off the property
What insurance for farmers usually includes
Farm Insurance
A farm package covering buildings, contents, machinery, livestock, hay, fencing and farm liability.
Mobile Equipment and Plant Insurance
For headers, tractors and plant that need specific accidental damage cover.
Motor Vehicle and Fleet Insurance
For farm utes, trucks and vehicles used on public roads.
What to check before you buy
Fencing, pasture and livestock cover varies a lot between insurers, especially for bushfire and flood. We'll also check that your farm liability covers activities like contracting work for neighbours, agistment and farm stays, and that sums insured for sheds and machinery reflect current replacement costs.
Why work with a broker?
Policies that look similar on price can differ a great deal in what they pay for. As your broker, we act on your behalf: we ask the right questions about your business, compare options, explain the fine print in plain language and support you through any claim, wherever you are in Australia.
Common questions
Does farm insurance cover bushfire damage to fencing?
Many policies offer fencing cover for fire, and some for flood, but limits and conditions vary. It's one of the first things we review.
Can I insure my farm home and business together?
Yes. A farm package can include the homestead and contents alongside farm property, machinery, livestock and liability.
Is contract harvesting covered by farm liability?
Not always. Work done for others may need to be declared or covered separately.
Does farm insurance cover injuries to my farm workers?
No. Injuries to your employees are covered by workers compensation, arranged through your state’s scheme. Farm liability covers injury and damage to other people and their property, so you’ll usually need both if you employ staff.
Can I insure crops still in the paddock?
Yes. Standing crop cover for risks such as fire and hail is available from specialist insurers, and hail cover is often arranged separately from your farm package. We can help you compare options before the season.
How to get a quote
Getting a quote for your business is simple, and there is no obligation. Call Carly on 0497 100 469 or send an email with your business name and ABN, a short description of what you do, your approximate turnover and number of staff, a copy of your current policy schedule if you have one, and details of any claims in the last five years.
If your contracts or lease set specific insurance requirements, send those too.
We will ask a few questions about your operations, approach suitable insurers on your behalf and come back with options explained in plain language, including what is and isn’t covered. Once you choose, we arrange your cover and send your documents, then review it with you at every renewal so your insurance keeps pace with your business.
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Insurance built around your business. Let's talk.
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