Farms

Livestock Farming

 We can protect your farm animals and produce from accidental injury, theft, damage, severe weather events and other mishaps

Farm Home and Contents

If your property is over 5 acres you may need to insure it on a farm pack regardless of how the land is used.

Farm Motor

Anything from ride on mowers to large agricultural equipment can be insured at your farm.

Farm businesses usually combine personal and business insurance types, while farm cover combines a specific group of covers which can include the following:

• Home and contents: Home and contents insurance products cover loss , damage or theft occurring to the farm owner’s house as well to the contents of the farmer’s home.

• Farm motor: Similar to motor vehicle insurance but covers additional risks that you might be exposed to if you work on a farm.

• Farm machinery: Covers machinery such as tractors and associated equipment that is used in farming. You might lease your farm machinery, in which case insurance is a mandatory part of the lease agreement, or it may be owned.

• Farm liability insurance: This is a specialised product, and you should make sure you choose an insurance company that understands the additional risks involved in your farm business, so you can be sure your cover is sufficient.

• Livestock, fencing and hay insurance: Will protect your farm animals and produce from accidental injury, theft, damage, severe weather events and other mishaps, depending on the policy’s exclusions.



• Farm loss of income and business interruption insurance: Compensation if accidental damage, theft or injury and occasionally severe weather events prevent you from earning an income through your usual business activities.

Example:
Farmer is working his land with his tractor insured under the farm policy. The tractor catches fire and burns completely and starts a fire which burns his neighbour’s crop.

The Tractor will be covered for fire damage.

The Neighbour would be compensated under the Farm Liability section of the Farm Policy.