Agriculture insurance

Farm Insurance

A selectable package for farming businesses that can combine property, machinery, vehicles and liability, with each section addressing defined assets, events and operating activities.

Illustrative example

Fire damages a farm shed and stored equipment, creating repair and replacement costs.

Check the wording

Standing crops, flood and livestock mortality are not automatically included; review each selected section separately.

Read the detailed Farm Insurance guide

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Crop Insurance

Loss of crop value or potential yield caused by specifically insured events, commonly fire or hail, with cover tailored to the crop and growing season.

Illustrative example

Hail damages a wheat crop before harvest, reducing its assessed yield within an insured paddock.

Check the wording

Do not assume drought, flood or general yield shortfalls are insured; named perils and valuation rules govern payment.

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Livestock Insurance

Financial loss from death, specified injury or loss of insured animals under an agreed farm or specialist livestock policy, depending on species and covered causes.

Illustrative example

A valuable insured breeding bull dies after an accident that falls within its mortality cover.

Check the wording

Disease, flood and government-ordered destruction may be excluded; per-animal limits and veterinary notification requirements matter.

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Bloodstock Insurance

Specialist protection for valuable horses, commonly addressing death or necessary humane destruction from insured causes, with theft or breeding-related extensions available by agreement.

Illustrative example

An insured thoroughbred suffers a severe accidental injury requiring humane destruction on veterinary advice.

Check the wording

Routine veterinary bills and loss of racing ability are not automatically insured under mortality cover alone.

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Farm Machinery

Cover section

Physical loss or damage to agricultural machinery and equipment, including tractors and harvesting equipment, with road risks or breakdown cover depending on selected sections.

Illustrative example

A tractor is damaged in an accidental collision while carrying out work on the farm.

Check the wording

Mechanical breakdown may require separate protection; harvest downtime and hired replacement machinery are not automatically covered.

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Farm Liability

Cover section

Legal liability for third-party injury or property damage arising from declared farming activities or products, with defence costs subject to the applicable liability wording.

Illustrative example

A visitor is injured by an unsafe farm gate and seeks compensation from the operator.

Check the wording

Farm stays, contracting for others and aerial spraying may need disclosure and specifically agreed extensions.

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Hail Insurance

Specified crop damage attributable to hail during the insured growing period, usually assessed against agreed crop values, yield measures and the affected insured area.

Illustrative example

A hailstorm strips developing cotton plants, reducing the crop's assessed potential yield before picking.

Check the wording

Cover is seasonal and crop-specific; drought damage and poor market prices do not become hail losses.

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Forestry Insurance

Specialist arrangement

Loss or damage to insured standing timber or plantations from agreed events, often fire, with selected additional perils and restoration expenses where specifically arranged.

Illustrative example

A bushfire destroys part of an insured plantation before its planned commercial harvest.

Check the wording

Check timber valuation and insured perils; disease, drought, wind and replanting expenses may be excluded or limited.

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