Farm Pack Insurance
What is it?
Farm Pack Insurance is a comprehensive policy designed for commercial farming operations. It combines multiple insurance covers into one flexible solution tailored to protect farm assets, operations, and liabilities.
What does it cover?
- Farm property (homes, sheds, machinery, plant & equipment)
- Livestock and produce (where selected)
- Theft, fire, storm and accidental damage
- Machinery breakdown and working equipment
- Business interruption (loss of income following an insured event)
- Public and products liability
- Optional covers such as transit, hay, and farm infrastructure
Small Farm Pack Insurance
What is it?
Small Farm Pack Insurance is designed for hobby farms, lifestyle properties, and smaller-scale agricultural operations. It offers essential protection without the complexity of a full commercial farm policy.
What does it cover?
- Farm buildings and residential property
- Small-scale machinery and equipment
- Limited livestock and produce
- Fire, storm, theft and accidental damage
- Public liability for farm-related activities
- Optional extensions depending on property size and activities
Livestock Insurance
What is it?
Livestock Insurance protects farmers against financial loss arising from the death, injury, or loss of animals due to specified events.
What does it cover?
- Accidental death or injury of livestock
- Theft or straying (where applicable)
- Transit risks (movement between properties or to market)
- Disease (limited cover depending on policy and conditions)
- Natural disasters such as fire, flood or storm
- Optional cover for high-value or stud animals
Broadacre Insurance
What is it?
Broadacre Insurance is tailored for large-scale cropping and mixed farming enterprises, providing protection for extensive land operations and high-value production.
What does it cover?
- Crops (depending on policy structure – often named perils)
- Farm infrastructure and large-scale equipment
- Fire and weather-related risks
- Machinery and harvesting equipment
- Business interruption and loss of production
- Public liability for farming operations
Crop Insurance
What is it?
Crop Insurance protects farmers against financial losses resulting from damage to crops during the growing season, typically due to weather-related events.
What does it cover?
- Fire damage to standing crops
- Storm, hail and wind damage
- Flood (depending on policy terms)
- Yield loss (for certain advanced or parametric covers)
- Transit to storage or market (optional)
- Harvest delays and associated losses (in some policies)
Farm Contractors Liability Insurance
What is it?
Farm Contractors Liability Insurance is designed for contractors working in agricultural environments, such as harvesting, spraying, fencing, or machinery services. It protects against legal liability arising from their operations.
What does it cover?
- Public liability for third-party injury or property damage
- Damage caused by machinery or equipment
- Errors or negligence in contracted services
- Products liability (where goods are supplied)
- Legal defence costs
- Optional cover for tools, equipment, and contract works
