Want to know more about farm insurance? You can find more information here.
Elders Farm Insurance
Elders Farm Insurance provides cover for commercial farm operators and lifestyle farms.
Key takeaways
- Elders Farm Insurance is underwritten by QBE and sold through local Elders Insurance agents at more than 200 locations across Australia, who can tailor cover to your region.
- Farm property cover protects fencing, hay, grain and even working dogs, with the option to customise sums insured for full-value protection.
- Transit cover is included for livestock and crops while being moved or sold, protecting assets during loading, transport and unloading.
- You can add personal accident and illness cover plus business interruption to keep income flowing if you can't work or your property needs repair.
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What types of cover does Elders Insurance offer?
Elders Insurance offers a range of cover for commercial farm operators and lifestyle farms. Here are some of the things you can get cover for:
Home
Home cover provides protection for your home and belongings from insured events or accidental damage. Some other benefits include:
- Cover for fusion of electric motor
- Limited cover for illegal use of credit cards
- Personalise your cover for contents away from home
- Cover for temporary accommodation while your home is repaired
Farm property
You can personalise your cover to choose which farm assets to insure, including livestock, hay, silage, grain and fencing for fire. Buildings, contents and machinery can be covered for fire, storm and accidental damage.
You can choose to insure increased costs following a loss such as buying in hay if pasture is lost or hiring machinery to complete harvesting, spraying or sowing.
- Replanting trees
- Fire prevention and extinguishment costs
- Employees' belongings cover
Farm liability
Farm liability cover protects you against claims made by other people that arise from your farm business. Some of the additional and optional benefits include:
- Farm hosting (optional)
- Aerial spraying (optional)
Farm vehicle
Farm vehicle cover protects the vehicles you use in your farming business if they're accidentally or maliciously damaged, stolen or involved in an accident. Some of the additional benefits include:
- Hire vehicle costs following theft
- Removal of vehicle debris
You can also choose third party property damage only cover.
Crop
Elders Insurance also offers crop insurance. This protects you against hail, fire, transit, storage or broadacre losses.
What's not included in an Elders Insurance farm policy?
The Elders Insurance farm policy has general exclusions, plus specific exclusions for each section of cover. You'll find the full list in the product disclosure statement (PDS). Some of the general exclusions include:
- Any loss or damage resulting from war or terrorism.
- Any intentional damage by you, a member of your family or a person acting with your consent.
- Any loss or damage caused by flood or action of sea water.
- Any liability to provide cover, pay any claim or provide any benefit that breaches any sanctions, prohibitions, or restrictions under United Nations resolutions or any other applicable trade or economic sanctions.
- Any loss caused directly or indirectly by inhalation of exposure to or presence of asbestos.
There are also policy conditions, excess and limits/sub-limits on covers and additional benefits.
Make sure you read the PDS
The PDS sets out the full list of exclusions, limits and conditions. For details, see the Elders Insurance Farm Policy PDS.
How to make a claim
To make a claim, contact your local Elders Insurance agent. They'll lodge the claim and, in most cases, manage it for you. Your agent's contact details are on your policy paperwork, or you can call Elders Insurance on 13 56 22. If you're unsure who your local agent is, you can find them here.
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