Farm insurance is a type of business insurance tailored to those working in the agricultural industry. It can cover farm owners and operators for things like building, crop and livestock insurance. In many cases, you can tailor a policy to suit your farm and business's needs.
In lots of cases, brokers can work with you to do this.
Here are Finder's partners for farm insurance.
Farm insurance provides financial protection against the everyday risks you face as a farmer, from destroyed crops and property damage to liability claims.
Farm insurance typically covers the following:
Many farm insurance policies also come with a few add-ons. These can include cover for:
Business Interruption. If something happens and you need to temporarily stop work on your farm, this can pay you lost income.
Transit. Cover for goods and items while in transit.
Machinery breakdown. If a piece of farm machinery breaks, this can cover repair costs.
Tax audit. This can cover the professional fees associated with hiring an accountant to assist you if you are audited.
Equine and stud stock. This can cover you if your stock dies by accident, illness or disease.
Personal accident. If you hurt yourself and need to take time off working, this can compensate you for the lost income.
You know your farm better than anyone else. Sometimes, it can be helpful to chat with an insurance broker who can tailor the quote to your needs. If you know exactly what you're looking for though, buying a policy online can be quicker.
Gary Ross Hunter
Insurance and innovations editor
If you rely on your farm to generate an income, you need to consider getting farm insurance. When something goes wrong, it can make sure you're not seriously out of pocket, whether that means covering the costs of broken machinery or paying legal fees if someone tries to sue you.
Even if you run a hobby farm, you still need to think about taking out farm insurance. Farming is a dangerous activity that requires dealing with machinery and animals on a daily basis. Things regularly go wrong — but farm insurance can make sure your hobby doesn't turn into a financial disaster.
Farm insurance is complicated. Fill out the form below, to receive free advice from a broker.
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Regards
Keith
hi Keith,
We’re a comparison site and we’re not directly affiliated with any insurer. You’ll have to make contact with insurers directly to discuss your options.
Best of luck!