Agribusiness Insurance
Practical insurance advice and tailored cover for your farm, your assets and the way you work.
Services / Agribusiness Insurance
Insurance built around how your farm runs
No two farms operate in quite the same way. Whether you run a hobby farm, family farm or larger agricultural business, your insurance needs to reflect your property, equipment, livestock, activities and plans.
Findura takes the time to understand your operation and identify how your policies work together. From family farms to larger agribusinesses, we help identify gaps, arrange appropriate cover and support you when you need to make a claim.
Cover for the different parts of your operation
Your farm may need several policies. We can help arrange cover across the following areas and explain how they fit together.
Property and infrastructure
Farm property, your homestead, sheds and other infrastructure on the farm.
Machinery and vehicles
Farm machinery, mobile plant, equipment, commercial vehicles and heavy motor.
Livestock, crops and produce
Insurance options for livestock, crops and stored produce, based on what you grow, raise and store.
Liability
Farm, public and products liability for personal injury or property damage arising from farming activities, including incidents involving escaped livestock, farm machinery or visitors.
Business interruption and personal cover
Business interruption insurance and personal accident and illness cover for the people the operation relies on.
Building and expansion
Contract works and construction insurance for new sheds, infrastructure and other building projects.
Cyber
Cyber insurance for cyber attacks, funds transfer fraud, data breaches, system outages and incident response costs.
Management Liability
Management liability insurance for claims arising from managing the farming business, including employment practices, regulatory investigations and alleged wrongful acts.
Working Dogs
Insurance options for working dogs used as part of your farming operation.
These are insurance options we can help arrange, not inclusions in a single policy. Availability and cover depend on the insurer, your operation and the policy terms, conditions, exclusions, limits and excesses.
Advisers who understand farming
Regional understanding
Our advisers work with farming businesses and understand that location, seasons and day-to-day operations shape your risks.
Complex risk options
Mixed enterprises, machinery moving between properties or a risk declined elsewhere: we can explore local and international insurance markets.
Clear explanations
We explain your cover, the gaps we identify and the reasons behind our recommendations, so you can make informed decisions.
Personal support
You have a named adviser to speak to about your cover, with support when your circumstances change or you need to make a claim.
Has your farm changed since your last insurance review?
A policy that suited your operation a few years ago may need a fresh look. You can speak to us at any point in the season, including before renewal.
- You have bought or leased more land.
- You have added machinery, a shed or other infrastructure.
- Your ownership, business structure or succession plans have changed.
- You are diversifying, contracting or taking on staff.
- Your renewal premium has risen sharply.
- A claim did not turn out as you expected.
- Your cover has not been reviewed for several years.
A clear process, from review to ongoing support
Tell us about your farm
We start with how your operation runs, what has changed and what you need to protect. If you have existing cover, we will ask for your current policy schedule.
Understand your options
We review your existing arrangements, explain gaps and exclusions and explore cover suited to your operation.
Keep your cover up to date
We review your cover annually and help you manage changes along the way. If you need to claim, we support you through the process.
We’re here at claims time
Our support continues long after your cover is in place. When things go wrong, we’ll help you navigate your claim, work with your insurer and keep you informed along the way. You’ll have someone to turn to when you need answers and practical support.
Your questions answered
A few things to know before you get in touch.
Can you help with hobby farms, small farms and family farms?
Yes. Findura supports farms of different sizes, from hobby farms and smaller family-run properties through to larger agricultural businesses. We consider how your property is used, the activities undertaken, the equipment and livestock you own, and whether any income is generated, before helping you explore suitable insurance options.
Can you review my insurance before renewal?
Yes. You can contact us at any point in the season, particularly if your land, assets or business activities have changed. We can discuss your current arrangements and the timing of any changes.
Will one policy cover everything?
Not necessarily. Farms often need several policies. We look at how they work together and explain which risks need separate cover, along with the relevant exclusions, limits and excesses.
What if another insurer has declined my risk?
Speak to us about your operation and the reason it was declined. We can explore other insurance markets, including options for more complex farm risks. Cover remains subject to insurer acceptance.
What should I have ready for a review?
Your current policy schedule is a useful starting point, along with details of your property, machinery, activities and recent changes. Your adviser will explain what else is needed.
Can dairy farms insure against milk contamination?
Insurance may be available to help protect dairy farms against losses resulting from accidental milk contamination. Depending on the policy, this may include contaminated or rejected milk, disposal and cleaning costs, and resulting loss of income. Cover varies between insurers, so it is important to check the insured events, limits, conditions and exclusions applying to your policy.
Why do farms need cyber insurance?
Modern farms increasingly rely on software, online banking, connected machinery, automated systems and third-party platforms. This can expose farming businesses to cyber attacks, funds transfer fraud, data breaches and interruptions when essential systems become unavailable.
Traditional farm insurance may not cover these digital risks. Cyber insurance for farms can help cover certain financial losses, business interruption and incident response costs following a cyber event. We can help you understand the cover available and discuss whether a separate cyber insurance policy may be appropriate for your farming business.
Do I need to disclose contractors and labour hire for farm insurance?
Yes. You should tell your insurance adviser if your farm uses contractors, subcontractors or labour-hire workers. This includes the type of work they perform, annual payments made to them, and whether they provide labour only or labour and materials.
These arrangements can affect your farm’s liability exposure and the cover, terms and premium offered by an insurer. Incomplete or inaccurate information may also affect how the policy responds to a claim. Tell your adviser whenever your workforce or contracting arrangements change, rather than waiting until renewal.
How are farm buildings and machinery valued for insurance?
Buildings should generally be insured for their current rebuilding cost, while the appropriate basis for machinery may depend on the policy and insurer. Using outdated values can leave you underinsured and may reduce the amount payable following a claim.
Does farm insurance cover seasonal workers and contractors?
Farm policies do not automatically cover every risk involving employees, seasonal workers or contractors. Your insurance arrangements may need to include workers’ compensation, liability and personal accident cover, depending on who performs the work and how they are engaged.
Do I need farm liability insurance?
Farm liability insurance can help protect you if your farming activities cause personal injury or property damage to another person. This may include incidents involving livestock escaping from your property, damage caused by farm machinery, or injuries to contractors, customers, suppliers or members of the public visiting the farm. Cover is subject to the policy’s terms, conditions and exclusions.
What is farm business interruption insurance?
Farm business interruption insurance can help protect income following an insured event that disrupts your operation. Depending on the policy, it may help cover lost income and additional costs incurred while the business recovers.
Can livestock, crops and stored produce be insured?
Insurance may be available for livestock, crops, hay and other stored produce against certain insured events. Available cover, limits and exclusions vary between insurers and depend on the type of farming operation and property being insured.
Can farm insurance cover machinery and equipment?
Farm machinery insurance can cover items such as tractors, harvesters, irrigation equipment, mobile plant and other agricultural machinery. Cover can vary depending on how the equipment is used, where it operates and whether it is owned, financed, leased or hired.
Do hobby farms need special insurance?
A standard home insurance policy may not cover all the risks associated with a hobby farm, particularly where you keep livestock, own farm machinery, have multiple outbuildings or earn income from the property. Hobby farm insurance can combine different types of cover based on how the property is used and the activities undertaken
Let's talk about your farm
Whether you are reviewing existing cover, planning a change or dealing with a difficult insurance risk, we are here to help.
Tell us a little about your operation and a Findura adviser will be in touch within one business day.
Contact details Australia
Contact details New Zealand
"*" indicates required fields