Farm Insurance – Wideland Insurance Brokers
Wideland Insurance Brokers arranges Farm Insurance for primary producers, hobby farms and agribusinesses across Australia.
A farm is rarely “one risk” — it’s property, machinery, liability, livestock, produce, people and seasonal pressure all at once.
Our job is to structure cover so it matches how your farm actually operates.
What farm insurance is designed to protect
- Farm property: homestead, sheds, silos, tanks, hay sheds, workshops
- Farm infrastructure: fences, gates, yards, internal utilities and improvements
- On-farm machinery & equipment: tractors, sprayers, implements, workshop tools
- Livestock and certain transit exposures (where applicable)
- Farm liability: visitors, contractors, product liability and property damage exposures
- Business interruption / agribusiness interruption (where appropriate)
For specialist contractor verticals, see:
Common farm risks (the stuff that actually triggers claims)
- Fire, storm and impact to buildings and contents
- Theft and malicious damage (especially remote sheds and plant)
- Liability from visitors, workers, contractors and neighbouring property
- Livestock loss events and transit incidents (where insured)
- Machinery failures and accidents on uneven ground
- Seasonal pressure: higher incident frequency during planting and harvest windows
Core cover sections commonly considered
1) Farm property (buildings & contents)
Cover can be structured for homesteads, outbuildings and farm improvements. This commonly includes sheds, silos, tanks, workshops,
hay sheds and other farm structures — with sums insured aligned to rebuild costs.
2) Farm infrastructure
Depending on the farm profile, insurers may consider cover for items like fences, yards and certain fixed farm improvements.
We’ll structure this to match your actual infrastructure footprint.
3) Machinery, implements & equipment (on-farm)
Farm machinery often sits between “plant” and “motor” definitions. We place it correctly so the policy responds to the way it’s used.
For contractor/mobile plant operations, see the specialist pages linked above.
4) Livestock (where applicable)
Livestock insurance can be considered for eligible stock classes and situations, including specific perils and transit exposures.
We’ll confirm what’s insurable for your stock type and operating model.
5) Farm liability (public & product)
Farms carry inherent liability exposure — visitors on property, contractors, produce sold/supplied, and property damage scenarios.
Liability cover should match the real farm activities, including any side ventures.
6) Agribusiness interruption (where appropriate)
Where a farm has higher fixed costs and income reliance (e.g. dairy, poultry, aquaculture, larger operations),
interruption style cover may be worth considering to protect cashflow after major insured events.
What we usually need to quote properly
- Property address(es), occupancy and building details (construction, use, rebuild estimates)
- Schedule of sheds, silos, tanks and major infrastructure
- Machinery list and values (what’s on-farm vs what goes on the road)
- Livestock numbers, classes and turnover (if livestock cover is requested)
- Farm activities + any side businesses (farm stay, contracting, produce sales)
- Claims history (typically 5 years)
That often changes underwriting appetite and how liability should be described.
Frequently asked questions
Is “farm insurance” one policy?
It’s usually a package of sections structured to fit your risk: property, machinery, liability, livestock and optional extras.
We build it so you’re not paying for sections you don’t need — and not missing the sections you do.
Do I need separate Crop Insurance?
Often, yes. Crop Insurance is specialist cover and is generally treated separately to standard farm pack sections.
If cropping is a key exposure, see Crop Insurance.
What if I run contractors on my farm?
Contractors introduce liability and contractual exposures. We’ll ensure your liability description matches the reality of contractor activity on site.
Next step
If you want correct cover in place ahead of the season, contact Wideland.
We’ll outline the information required and place a farm insurance structure that matches the way you operate.
General advice warning: This page contains general information only and does not take into account your objectives,
financial situation or needs. Consider whether the information is appropriate for you and read the relevant policy wording before making a decision.