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Farm and Agriculture Insurance

Compare Farm Insurance Quotes

Compare Farm Insurance Cover and Quotes

The farming and agriculture industry makes up a significant proportion of Australia’s economy providing food and produce for both the domestic and export markets. The adverse effects of climate change on insurance, through the increase in fires, floods or other disasters, often means rapidly rising premiums, which can remain high for many years. Many farms have felt the effects of this through the rapid rise in insurance premiums due to the severity of fires, disasters and substantial losses on farms. Helping agribusiness clients manage their cover; in the good and the hard times, has become a big part of Ausure’s key business. 

Each farm or agribusiness is a little different, and getting the right cover and  premiums relies on properly representing the business to insurers. We show them the breadth of operations, the technology improvements, the trade dealings, and the quality controls used by good farmers to offset some of the inevitable risks. Our Ausure Advisers understand the agriculture and farming industry well, living and working in the major farming areas of Australia and they take pride in helping farms manage risk and cost. 

Complete the contact form below to let us know how Ausure can assist you with your insurance needs.  You can also save time by uploading a copy of your current policy schedule. Once you have submitted your request, an Ausure representative will be in touch within 24 hours to discuss your request. Once we have all the information we need, an Ausure broker will approach the market and provide you with a number of comparable quote and price options.

Ausure Insurance Brokers - Farm Quote Request















You can upload a copy of your most recent policy schedule below, which will save time and help us understand what type of insurance you need. 


We compare policies from trusted insurers, to find you the right cover at an affordable price for your Farm Insurance. Check out some of our trusted partners below.

360 Underwriting
Allianz
Allstate
Argis

What Farm Insurance should you consider?

Farm Insurance Package

Farm insurance package insurance for farmers offers a comprehensive solution by bundling multiple types of insurance coverage into a single policy tailored to the specific needs of agricultural operations. This type of insurance typically includes coverage for property, liability, machinery, livestock, and other essential aspects of farming. It protects farmers against a wide range of risks, including property damage, crop loss, livestock mortality, liability claims, and business interruptions.

Crop Insurance

Crop insurance for farmers provides protection against losses resulting from natural disasters, adverse weather conditions, pests, diseases, and other risks that may affect crop production. These policies offer coverage for lost income, damaged crops, and input costs.

Vineyard & Orchard Insurance

Vineyard and Orchard insurance offers specialised coverage tailored to the unique risks faced by growers of grapes, fruits, and nuts. This type of insurance can provide protection for vineyards and orchards against a range of perils, including weather-related damage such as hail, frost, and windstorms, as well as pests, diseases, and other crop-specific risks.

Livestock Insurance

Livestock insurance provides protection against losses associated with the death, theft, or accidental injury of their livestock. These policies offer coverage for a range of risks, including natural disasters such as bushfires, floods, and droughts, as well as diseases and other unforeseen events.

Farm Property Insurance

Farm property insurance provides comprehensive coverage for the physical assets and infrastructure essential to agricultural operations. This type of insurance protects farm buildings, machinery, equipment, livestock facilities, and other structures against a variety of risks, including fire, theft, vandalism, natural disasters, and accidental damage. It also typically includes coverage for farm dwellings, contents, and liability protection for third-party injuries or property damage.

Farm Liability Insurance

Farm liability insurance offers protection against legal liabilities arising from accidents, injuries, or property damage that occur on their farm premises. This type of insurance provides coverage for third-party bodily injury or property damage claims, as well as legal expenses associated with defending against such claims. It typically includes coverage for incidents such as slips and falls, animal-related injuries, or damage caused by farm machinery or equipment.

Farm Vehicle and Machinery Insurance

Farm vehicle and machinery insurance provides comprehensive coverage for the vehicles and equipment essential to agricultural operations, including tractors, harvesters, implements, and other specialized machinery. This type of insurance protects farmers against a variety of risks, including accidents, theft, vandalism, and damage to their vehicles or machinery. It typically includes coverage for physical damage to the insured vehicles and equipment, as well as liability protection for any third-party property damage or bodily injury caused by their use.

Business Interruption Insurance

Business interruption insurance for farmers provides financial protection against the loss of income and additional expenses incurred when a farm's operations are disrupted due to covered perils, such as natural disasters, equipment breakdowns, or other unforeseen events. It may compensates farmers for the income they would have earned during the interruption period, helping to cover ongoing expenses like wages, loan repayments, and utilities.

Trade Credit Insurance

Trade credit insurance provides protection against the risk of non-payment by their customers for goods or services supplied on credit terms. This type of insurance protects farmers against losses resulting from insolvency, default, or protracted payment delays of their buyers, whether they are domestic or international. By mitigating the impact of customer non-payment, trade credit insurance enables farmers to maintain cash flow and sustain their operations.

Commercial Motor & Fleet Insurance

Provides comprehensive coverage for vehicles used in agricultural operations, including trucks, tractors, harvesters, and other farm machinery. This type of insurance protects farmers against a variety of risks, including accidents, theft, vandalism, and damage to vehicles or third-party property. It typically includes coverage for physical damage to vehicles, liability protection for bodily injury or property damage, and coverage for medical expenses and legal costs associated with accidents.

Transit Insurance

Transit insurance for farmers provides coverage for the transportation of agricultural goods and equipment from one location to another. This type of insurance protects farmers against risks such as damage, theft, or loss of their goods or equipment while in transit by road, rail, sea, or air. It typically includes coverage for physical damage to the transported items, as well as liability protection for any third-party property damage or bodily injury that may occur during transit. Transit insurance enables farmers to safeguard their valuable assets during transportation, ensuring that their goods and equipment arrive safely at their destination.

Workers Compensation

Workers' compensation for farmers provides financial protection and support to farm workers who sustain injuries or illnesses arising from their work activities. This type of insurance covers medical expenses, rehabilitation costs, and lost wages for injured workers, as well as compensation for permanent disabilities or fatalities. Workers' compensation aims to ensure that farm workers receive appropriate care and support in the event of workplace injuries or illnesses, while also helping farmers fulfill their legal obligations as employers and maintain a safe working environment.

Environmental and Pollution Insurance

Environmental and pollution insurance for farmers provides coverage for liabilities and costs associated with pollution incidents or environmental damage that occur as a result of farming activities. This type of insurance helps farmers manage risks related to accidental spills, contamination of soil or water sources, or regulatory violations. It typically covers cleanup costs, legal expenses, and third-party claims for bodily injury or property damage resulting from pollution events.

Hobby Farm Insurance

Hobby farm insurance offers specialised coverage for small-scale agricultural properties that are primarily operated for pleasure or personal use rather than commercial purposes. This type of insurance provides protection for hobby farmers against a range of risks, including property damage, liability claims, and potential loss of income. It typically includes coverage for farm dwellings, outbuildings, equipment, livestock, and personal belongings, as well as liability protection for third-party injuries or property damage that may occur on the property.

The Farm Insurance Quote Process

Information about your Farm

You will be required to complete a fact find about your farm which allows us to approach insurers for a quote to provide insurance.

We Approach Insurers

Once we have the information we need, we will approach a number of reputable insurers in the market that we believe will provide you with the right cover.

Compare Quotes

We will present you with quotations obtained from the insurers. The quotes will often vary on cover and price and we will explain the differences, allowing you to make an educated decision.

Full Claims Management

We fight as your ally at claim time. We work for you, not the insurer. We manage the entire claims process for you, so you can focus on your Farming operations.

Frequently Asked Questions About Farm Insurance

What does farm insurance cover?

Farm insurance typically covers various aspects of farming operations, including property (buildings, equipment, and structures), crops, livestock, machinery, and liability. It protects against risks such as fire, theft, natural disasters, equipment breakdowns, crop failure, and liability claims. It’s important to note that there is no one-size fits all approach for Farm Insurance and it’s crucial to get the advice of an Insurance Broker to ensure you get the adequate cover required for your Farm.

How much does farm insurance cost?

The cost of farm insurance varies depending on factors such as the size of the farm, the types of coverage selected, location, risk factors, and claims history. Premiums are typically calculated based on the value of insured assets, the level of coverage, and the perceived risk of potential losses. An Ausure Insurance Broker will be able to provide you with a number of quotes from different insurers and explain the differences in cover to you – whilst a cheaper premium may seem attractive it’s important you understand any possible exclusions which may leave you unable to make a claim. 

Do I need farm insurance if I already have home insurance?

While home insurance may offer some coverage for farm-related assets, it may not provide adequate protection for the unique risks associated with farming operations. Farm insurance offers specialised coverage tailored to the needs of agricultural businesses, including coverage for crops, livestock, machinery, and liability. Ensure you speak to an experienced Insurance Broker for the right advice when it comes to insuring your Home and Farm.

Do I need liability insurance for my farm?

Liability insurance is crucial for farms, as it protects against financial losses resulting from third-party bodily injury or property damage claims arising from farm operations. It provides coverage for legal defense costs, medical expenses, and compensation for damages. Depending on your operations, you may need additional insurances, speak to a Insurance Specialist for a full Risk Review of your requirements.

We are the trusted Farm Insurance Experts in Australia.

No farm is the same, and it’s crucial to get the right advice from an experienced Insurance Broker about your personal circumstances. The price and cover of Farm Insurance will vary depending on your Farm’s operations and the region of where you are located. Speak to an experienced Farm Insurance Broker to ensure you get the right advice. 

Ausure we care Insurance Broker

Ausure can assist with all of your Farm Insurance needs, Australia wide. 

The types of Farm Insurance Ausure can help with:

  • Property Insurance: Coverage for farm buildings, structures, and contents
  • Crop Insurance: Protection for farmers against financial losses resulting from crop failure, yield reductions, or damage caused by adverse weather conditions, pests, or diseases.
  • Livestock Insurance: Coverage for farm animals 
  • Machinery and Equipment Insurance: Insurance for farm machinery, vehicles, and equipment 
  • Liability Insurance: Protection against legal liabilities arising from accidents, injuries, or property damage
  • Business Interruption Insurance: Coverage for lost income and additional expenses incurred when farm operations are disrupted 
  • Environmental and Pollution Insurance: Protection against liabilities and costs associated with pollution incidents or environmental damage 
  • Transit Insurance: Coverage for the transportation of agricultural goods and equipment from one location to another
  • Workers’ Compensation Insurance: Financial protection and support for farm workers who sustain injuries or illnesses arising from their work activities
  • Farm Vehicle and Machinery Insurance: Comprehensive coverage for farm vehicles, machinery, and equipment
  • Farm Insurance Package: A bundled solution combining multiple types of insurance coverage into a single policy

The types of Industries Ausure can assist:

  • Crop Farming
  • Livestock Farming
  • Dairy Farming
  • Horticulture
  • Viticulture
  • Aquaculture
  • Grain Farming
  • Poultry Farming
  • Beekeeping
  • Organic Farming
  • Agribusiness

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