Farm Pack

Living off the land is harder than ever before with unpredictable weather patterns, the strong Australian dollar and margins being squeezed by supermarket giants.

Protecting your assets with Farm insurance allows you to protect the now and plan with confidence for your future.

Farm pack insurance policies are specifically designed to cover a wide range of farm risks including your domestic home on the property. We will work in close partnership with you to identify your specific risks, and tailor a farm pack policy solution that ensures your key assets and liabilities are protected. We strive to deliver you an insurance solution that empowers you to plan for the future with greater certainty.

The following cover sections can be added or removed to align with your specific farm risk requirements:

  • Domestic Property and Contents e.g. your homestead and home contents
  • Farm Property e.g. free standing silos, windmills, electronic equipment like laptops, CB radios or mobiles
  • Farm machinery e.g. tractors, pumps, irrigation
  • Hay, grain, livestock, fencing and trees
  • Road Transit e.g. damage to livestock or farm machinery whilst on travelling on the road
  • Business Liability e.g. your liability exposure for injury or damage to property as a result of straying stock or farm machinery
  • Business Interruption 
  • Machinery Breakdown
  • Personal Accident
  • Public Liability

Please Note: Below are some of the more common insurance policy features, however, the list is not exhaustive and some features may not be offered by certain insurers. Please refer to the insurer specific policy wording for inclusions, exclusions, terms and conditions. 

Covered Features

Domestic Property

Covering the domestic residence(s), including Contents cover.

Farm Property

This covers all farm buildings such as machinery sheds, hay sheds, silos, amenity buildings and their contents.


Covering all shared fencing and fencing which you are 100% responsible for against fire claims.


Covering claims for negligence against the farmer for damage to property or injury to persons on site as a result of any farming activities.


Covering cattle, sheep or other livestock against fire, full death cover policies are also available for valuable breeding animals.


Covering tractors and other mobile equipment against accidental damage as a result of an accident, as well as fire and theft covers.


This $20,000,000 cover relates to your personal liability in regards to the householders section which can form part of your Farm Policy (i.e.the Homestead on the Farm where you reside). It does not cover any Public Liability that forms part of your Farming operations, such as Farm Animals straying onto the road or someone being injured on your Farm Property.

This needs to be covered by a separate Farm Liability policy, which is available as part of the farm package policy.

Fencing can be covered by a Farm Pack Insurance policy however you need to provide a separate sum insured for shared fencing, where you may be responsible for 50% of the replacement cost, as well as fencing which is 100% your responsibility.

This section needs to be considered as fencing is nearly always destroyed in a bushfire and the cost of replacing many kilometres of fencing can be quite prohibitive.

This type of cover is usually available through separate crop insurance and we strongly recommend that anyone with a reliance on a particular crop or several crops take out this additional cover, as well as covering any loss of income as a result of the claim.

With most farm insurance policies, there is no under insurance clause (except for livestock), but it is vital that the sum insured you nominate for any building is enough to repair or replace the building in the event of a loss as the policy cannot pay more than the sum insured.

Whitbread strongly recommend you consider taking out Business Interruption insurance. This policy extension will enable you to maintain your business following damage to your farm contents, property, machinery, hay, livestock and pastures.

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