Rural & farm insurance
Coverage for cattle, sheep, chickens, thoroughbreds, grain, citrus, vineyards or flowers and more.
If it can be farmed, then we can insure it!
Whether you run a small hobby farm, spend weekends tending to your land, or manage a large-scale agricultural operation, our farm insurance brokers are here to help you safeguard your activities.
Farm and rural insurance can be complex, with every property and enterprise having its own unique risks and requirements. That’s why getting the right advice is essential — to make sure your assets, livelihood, and future are properly covered with insurance that fits your needs, not just a one-size-fits-all policy.
How farm insurance policies work
Farm insurance is designed to protect every part of your property and livelihood — from the home you live in to the land you work. A tailored policy can cover your homestead and outbuildings, machinery and feed sheds, and their contents. It also helps safeguard against unexpected setbacks like theft, machinery breakdown, or loss of income.
The right cover can go even further, protecting your vehicles, mobile equipment, fences, and livestock — including working dogs, stud stock, and horses. That means you can focus on running your property with confidence, knowing every acre, animal, and asset is in good hands.
Frequently Asked Questions
Farm insurance covers any farming operation against losses to farm property, sheds and their contents, machinery, fences, working dogs, public liability, livestock, crop damage and loss and more.
Cover would include loss against fire, weather and storm events, theft, machinery loss and more.
Yes. Most Australian farm insurance policies include options to cover livestock such as cattle, sheep, goats, pigs, and poultry.
Livestock insurance can protect against risks like theft, accidental injury, disease, and death caused by insured events such as fire, lightning, or vehicle impact. Some policies can also extend to cover animals in transit or on agistment.
Tailored livestock cover helps safeguard your income and ensures your farming operation can recover quickly from unexpected losses.
Yes. Working dogs are vital to the daily running of many Australian farms, and they can be insured under specific sections of a farm package policy.
Cover typically includes protection against death, injury, or illness caused by an insured event such as an accident, snake bite, or fire. Some insurers also offer compensation for veterinary costs or the replacement value of the dog.
Yes, fences can be included in a farm insurance policy. Coverage usually applies to boundary fencing, paddock fencing, and yards used for livestock or equipment. This insurance helps cover repair or replacement costs if fences are damaged by events like storms, fires, or vehicle collisions.
As fencing is essential for property management and stock safety, having it insured prevents you from facing major expenses after severe weather or unforeseen damage.
Most farm insurance policies in Australia can cover a wide range of farming operations — from small lifestyle and hobby farms to large-scale commercial enterprises. This includes cropping, dairy, beef, sheep, poultry, aquaculture, orchards, vineyards, and mixed farming.
Policies are flexible and can be tailored to suit your specific activities, assets, and risks, ensuring the right level of protection for your operation.
Yes, a hobby farm can be insured under a farm insurance policy, although it depends on each insurer’s policy terms.
The size of the hobby farm and what activities are undertaken can affect what insurance is available for hobby farms.
Yes. Many farm insurance policies in Australia include the option to cover machinery breakdown. This covers essential equipment such as tractors, harvesters, irrigation pumps, and milking machines against sudden and accidental mechanical or electrical failure. In some cases, it can also extend to the cost of repairs, replacement parts, and loss of income caused by downtime.
As machinery is central to keeping your farm running smoothly, having breakdown cover ensures you’re not left out of pocket or behind schedule when unexpected faults occur.
Always check your policy inclusions, as coverage limits and excesses can vary depending on your insurer and the type of machinery you operate.