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.