Comprehensive protection for farms, livestock, crops, machinery and rural property — designed for Australia’s agricultural risks.
Farm & Agriculture Insurance provides comprehensive protection for farming operations, livestock, crops, machinery and rural property against risks such as natural disasters, accidents, theft and liability claims.
Unlike standard commercial property insurance, this cover is tailored to the unique exposures of agricultural businesses — protecting both productive assets and the income they generate. This insurance is essential for farmers and agribusinesses operating in a challenging and unpredictable environment.
Farm & Agriculture Insurance is commonly arranged by:
Covers barns, silos, sheds, fencing and infrastructure against fire, storm, theft and accidental damage.
Covers tractors, harvesters, irrigation systems and farm machinery against accidental damage or breakdown.
Covers loss of livestock due to accident, disease or natural events, and crop damage from weather or pests.
Covers third-party injury or property damage arising from farming activities or products supplied.
Covers income loss following insured damage that disrupts farming operations.
Farm & Agriculture Insurance is arranged annually as a tailored package combining multiple covers under one program. It protects farming operations across property, machinery, livestock, crops, and liability exposures.
Sums insured are generally set at full replacement value, with optional endorsements for flood, bushfire, and business interruption. Excesses apply per claim and may vary by risk type, with one integrated policy covering property, liability, machinery, crops, and livestock.
Farming faces high exposure to natural disasters
Equipment and livestock represent major investment
Protects income and operational continuity
Often required by lenders and government programs
Reduces financial impact of unexpected events
Speak with a broker experienced in agricultural risk.
Get My Farm Insurance QuoteImportant: Farm & Agriculture Insurance does not automatically cover wear and tear, gradual deterioration, market price fluctuations, intentional acts or uninsured perils. Coverage, limits and exclusions vary significantly between insurers. Advice from a Seguro insurance broker is recommended to ensure alignment with farm type, location and operational risk.