Why farm insurance is not home and contents A standard home and contents policy is written for suburban properties. It assumes fixed structures, predictable contents and no commercial activity. A working farm is none of those things — and trying…
Crop insurance is not a standard insurance product Most general insurance products follow a simple pattern: you declare what you own, pay a premium, and the insurer pays if a covered event occurs. Crop insurance works differently. It operates through…
Heavy motor insurance is a specialist class A standard motor vehicle policy is not designed for a prime mover, a B-double, a livestock trailer or a tipper operating commercially. Heavy motor insurance is a distinct class with its own underwriting…
Mobile plant is not covered by standard business insurance Earthmoving equipment, mobile cranes, scrapers, graders and loaders occupy an unusual position in the insurance market — too large and specialised for a standard business pack, but not motor vehicles in…
Harvesting is one of the highest-risk periods in agriculture For harvesting contractors, the risk profile during the season is compressed and intense — high-value machinery operating continuously in dry and dusty conditions, on properties you have not worked before, with…
Why agronomists need professional indemnity insurance An agronomist's advice directly influences decisions with significant financial consequences — what crop to plant, what chemical to apply, what inputs to invest in and at what rate. When that advice is alleged to…
Regional businesses face risks that city-based policies underestimate A business insurance policy written for a suburban retail shop is not designed around the realities of operating in regional Australia. The risk profile is different — greater weather exposure, longer distances…
Contact your broker before you contact your insurer The most important thing to know about making an insurance claim is this: contact your broker first. Not the insurer's claims line, not an online portal — your broker. This has a…