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Agriculture & Rural Businesses

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A CLOSER LOOK AT YOUR INDUSTRY

Start with your business.

A farm may combine buildings, machinery, stock, produce movement and visitor activities. Explain the operation and assets rather than relying on acreage alone. Crops and plantations can be raised as individual enquiries.

YOUR BUSINESS

Across the farm and beyond

01

Farm operators

A farm is a working property with its own mix of buildings, machinery, vehicles, stored goods and daily activities. A family farm, diversified enterprise and property with occasional visitors can have very different insurance needs. Seasonal changes and work performed away from the farm should be part of the description.

Prepare an asset schedule, replacement values, activities and any contracting or visitor-related operations. Farm property, liability, machinery and motor arrangements need to be matched to the selected sections and insured entities. Do not assume every rural activity or asset is automatically included in a farm package; changes in use and off-farm work should be discussed explicitly.

02

Rural service businesses

Rural service businesses may repair equipment, maintain properties, undertake contracting or provide specialist advice. Work often moves between customer properties, with tools and machinery travelling to the job. A service provider’s responsibilities are different from those of the farm owner, even when both operate in the same district.

Describe the tasks, machinery, travel, subcontractors and any advisory work. Liability, mobile plant, commercial vehicles and professional indemnity may need consideration according to the actual service. Work on customer property and responsibility for hired equipment should be checked specifically. A farm owner’s policy should not be relied upon as protection for an independent contractor’s business.

03

Producers with storage and transport needs

For producers, the journey from on-site storage to the customer can involve temporary holding, loading, local transport and third-party carriers. Values and handling needs change through the season. A storage incident and a transit loss raise different questions about ownership, responsibility and the point at which risk passes to the buyer.

Map the journey, storage locations, goods, maximum values and delivery terms. Property and goods-in-transit needs should be reviewed alongside any liability for goods belonging to others. Temperature changes, delay and deterioration require specific attention rather than an assumption of automatic cover. Provide carrier agreements and storage controls so each stage can be considered on its own facts.

WHAT TO KEEP IN VIEW

The practical questions

Buildings, equipment and stored produce
Seasonal equipment dependencies
Visitors, contractors and goods movement

MAKING THE CONNECTIONS

Look beyond the label

01

The farm and its activities

A farm may combine buildings, machinery, stock, produce movement and visitor activities. Explain the operation and assets rather than relying on acreage alone. Crops and plantations can be raised as individual enquiries.

IMPORTANT DISTINCTIONS

Keep the boundaries clear.

Farm insurance does not automatically include every crop, plantation, animal or aquaculture exposure; any such enquiry needs a separate scope check.
Is every linked product necessary for this business?
No. The links identify questions to discuss. The activities, responsibilities and existing arrangements determine which enquiries are relevant.

BEFORE WE TALK

Bring the details.

  1. Locations, activities, buildings, equipment, stock and seasonal values
  2. Current policy schedules, relevant contracts and previous claims

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How Australian businesses use drones: agriculture, delivery and construction

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Talk through your business.

Tell us what you do, what is changing and what you would like to understand. We can help organise the questions and the information needed for a meaningful insurance discussion.

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