Offering financial protection when the unexpected happens
Rural Insurance
What is Rural Insurance?
Rural insurance (also called farm insurance) is designed to protect agricultural businesses from a wide range of risks, covering both personal property and commercial operations. Whether you're running a family farm, cattle station, sugar cane operation or mixed enterprise, rural insurance offers financial protection when the unexpected happens.
Depending on your policy and insurer, cover can include:
Farm property
Cover for homes, sheds, fencing, grain silos, water tanks, and other infrastructure.
Farm contents
Equipment, tools, stored produce, livestock feed, and consumables.
Farm vehicles
Comprehensive or third-party cover for tractors, quad bikes, harvesters, and other machinery.
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Cover for loss due to fire, lightning, accidental death, or transit-related risks.
Farm liability
Protection against claims for property damage or personal injury caused by your farming activities.
Business interruption
Cover for income loss due to an insured event, such as fire or machinery breakdown.
Theft and vandalism
Cover for income loss due to an insured event, such as fire or machinery breakdown.
Machinery breakdown
Repair or replacement of key machinery and associated losses (e.g. spoilage).
Transit insurance
Cover for livestock or produce being transported.
Home and contents
Optional cover for your residence located on the farm.
Coverage, benefit limits and exclusions may vary.Refer to your insurance broker and Product Disclosure Statement (PDS) for further information.
Understanding Rural Insurance
If you’re a landholder, run a farming operation, or own rural property used for business or personal purposes, rural insurance can help protect your physical assets and business income.
Farming can be unpredictable,rural insurance gives you the confidence that if the worst occurs, you can recover and keep operating.
Rural insurance premiums vary depending on:
- The size and nature of your operation
- The value of your property, equipment, and livestock
- Location and environmental risk (e.g. flood zones, fire risk areas)
- Claims history and level of coverage required
- Policy structure and included endorsements
Our brokers can walk you through your options and provide quotes based on your farm’s specific profile.
Contact your NQIB broker as soon as possible. Supporting documents may include property reports, vet assessments (for livestock), photos, and repair quotes.
Get a quote
We work with you, so you have the confidence and peace of mind that come with understanding how you are protected by insurance.