Home and farm property
Keep the residence and household belongings distinct from sheds, fencing, equipment and farm stock. Prepare separate values and identify what belongs to the farm business.
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Farm Insurance
A farm combines a home, working property, equipment and business activities. A farm package should follow what actually happens on the property, including any contracting, visitor or accommodation activities.
Who it is for
Farm and rural businesses reviewing buildings, machinery and the activities carried out across the operation.
Explore the cover
These are areas to discuss, not an automatic inclusion list. Available sections and cover depend on the selected wording and schedule.
Working machinery
Machinery damage and mechanical breakdown are different questions. Identify fixed and mobile equipment, seasonal reliance, hired items and the effect of losing a critical machine.
Liability from farm activities
Visitors, produce sales and work away from the property change the liability discussion. Describe each activity rather than assuming the acreage or a general farming description is enough.
Choose the package around the operation
A farm package is not a universal list of agricultural covers. The selected sections, insured property and any additional activities must appear in the proposal and policy schedule.
Information for quotations
Describe farm activities, locations, assets, machinery, contractors, storage, seasonal work and any cropping, livestock or diversified operations.
Limitations and exclusions to discuss
Naming crops or animals does not establish their insurance. Review selected sections, asset descriptions, activities, exclusions and seasonal dependencies.
Frequently asked questions
Does a farm package automatically insure crops or plantations?
No. Such enquiries need individual assessment and are not presented as a core specialist service.
Why mention contracting or farm visitors?
They add activities and interactions beyond production. Describe the full operation so relevant property and liability questions can be considered.
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.