Rural Insurance

✅ What farm insurance is designed to protect

A farm policy is typically built as a package so you can tailor the sections that matter. Depending on your operation and insurer appetite,
cover can include:

• Farm property — homestead (where included), sheds, workshops, cool rooms, silos, tanks, hay sheds and outbuildings.
• Farm infrastructure — fences, gates, yards, crushes, loading ramps, internal utilities and improvements.
• Machinery & plant — tractors, sprayers, implements, forklifts, pumps, generators and workshop tools (by schedule or category).
• Livestock and transit exposures (where applicable) — including certain movements and loading risks, subject to terms.
• Farm liability — visitors, contractors, product liability and property damage exposures arising from your activities.
• Business interruption / agribusiness interruption (where appropriate) — helps protect cashflow when an insured event disrupts trading.

⚠️ Common gaps we see on farms (and how to avoid them)

Most farm claim problems aren’t “bad luck” — they’re structural. The schedule doesn’t match the property, the use, the values or the activity.
A broker-led review is about bringing the paperwork back in line with reality so a claim is more likely to run smoothly.

Getting the structure right (how we build farm cover)

Every farm is different — grazing, horticulture, mixed operations, vineyards, storage, contracting, farm stays, produce sales and seasonal labour all change the risk.
Our approach is to build cover around how you operate:

• Step 1: Operation snapshot — what you do, where you do it, and what changes seasonally.
• Step 2: Buildings & infrastructure — construction types, replacement costs, special features and critical assets.
• Step 3: Machinery & equipment — what’s essential, what’s mobile, and what needs to be specifically scheduled.
• Step 4: Liability profile — visitors, contractors, farm-gate activity, produce sales, events and accommodation (if any).
• Step 5: Cashflow protection — business interruption where appropriate, and the real numbers that should drive the sum insured.

Farms aren’t static — seasonal risk is real

The risk on a property can shift dramatically through the year — harvest and storage, fire season, storms, equipment downtime, contractors on site,
peak visitor periods, or livestock movements. A “set and forget” policy often drifts out of alignment.

If you’ve expanded sheds, upgraded plant, changed what you produce, started contracting, added farm-gate sales, or changed staffing patterns,
it’s worth reviewing your cover before a loss event highlights the gap.

What happens if you need to make a claim

When something goes wrong, speed and documentation matter. The goal is to get the claim notified early, reduce delay, and keep the evidence clear.

• Notify early: let us know as soon as practical so the insurer can confirm next steps quickly.
• Document the loss: photos/video, incident notes, police report (if theft), and any invoices or service records.
• Protect property: temporary repairs or reasonable steps to prevent further damage are usually expected (keep receipts).
• Broker support: we help you present the facts clearly, supply the right documents, and keep communication moving.

Who farm insurance suits (and when you may need something different)

A practical renewal checklist

• ️ Have you built or upgraded sheds, cool rooms, fencing, yards, tanks or workshops?
• Have you bought, sold or upgraded plant and machinery (especially high-value items)?
• ‍ Has your staffing or contractor usage changed?
• Are you doing more farm-gate sales, markets, tastings, events or accommodation?
• Have your fire/storm exposures changed (vegetation, storage, access, water supply, fuel, chemicals)?
• Are you storing more produce, hay or equipment than last year?

Important: This page provides general information only and does not take into account your objectives,
financial situation or needs. Cover availability and policy terms vary by insurer. Always consider the relevant Product Disclosure Statement (PDS)
and policy wording before making a decision.