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 a network of 200+ local agents who can tailor cover face-to-face 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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How we picked theseWhat types of cover does Elders Insurance offer?
Elders Insurance policy provides a variety of cover that protects commercial farm operators and lifestyle farms. Here are a few 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 you cover for contents away from home
- Cover for temporary accommodation while your home is repaired
Farm property
You can personalise you cover to choose which farm assets to insure including livestock, hay, sileage, 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 provides protection for claims made on you by other people, arising out of your farm business. Some of the additional and optional benefits include:
- Farm hosting (optional)
- Aerial spraying (optional)
Farm vehicle
Provides protection in case any of your motor vehicles used in your farming business are accidentally or maliciously damaged, stolen or involved in any accidents. Some of the additional benefits include:
- Hire vehicle costs following theft
- Removal of vehicle debris
You can choose to insure for third party property damage only cover.
Crop
Elders Insurance also offers crop insurance. This protects you should hail, fire, transit, storage or broadacre loss.
What's not included in an Elders Insurance farm policy?
These are the things that are not covered by the Elders Insurance farm policy. To find out exactly what these are, refer to the general exclusions and specific exclusions in the product disclosure statement (PDS). Some of the general exclusions under the Elders Insurance policy 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
2022 Finder research shows that 23% of Australians can't be bothered reading the PDS. For a full list of exclusions see the Elders Insurance Farm Policy PDS.
How to make a claim
If you need to make a claim, you can speak to the local Elders Insurance agent that has been assigned to you. The name of your Elders Insurance agent can be found on your insurance schedule, as will their contact details. They will put through your claim for you personally. If you're unsure who your local agent is, you can find them here.
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