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.
Related pages
- Insurance Queensland
- Farm Insurance
- Business Insurance
- Contact Us
- Insurance For Livestock And Rural Agents Wideland Brokers
- Insurance For Stock And Station Agents
- Agronomist Insurance
- Regional Insurance Brokers
Wideland Insurance Brokers has genuine depth in farm insurance across regional Queensland and rural Australia — not a generic product with a farm label attached, but cover structured around how farming operations actually work. Contact us on 07 4602 9002 or enquire online to discuss your farm insurance needs. We work with farming families across the full range of Queensland agricultural industries and understand the seasonal pressures, asset values and risk exposures that shape what good farm cover looks like.
About Wideland Insurance Brokers
Wideland Insurance Brokers is part of the WebInsure group, founded in 1996 by Trent Sampson who began his insurance career in regional NSW agricultural communities in 1992 — working with farming families before co-founding WebInsure and building a broking practice with genuine understanding of rural and regional risk. Co-owner Lorraine Sampson holds a Rural Science degree from the University of New England and an agronomist qualification. This depth of agricultural understanding is uncommon in the insurance industry and gives Wideland clients access to advice that actually reflects how farms and regional businesses operate.
Wideland is an Authorised Representative of Community Broker Network Pty Ltd (CBN) ABN 60 096 916 184 AFSL 233750, and a member of the Steadfast Group — Australia’s largest insurance broker network. This combination gives regional clients access to a broad panel of admitted insurers and specialist underwriters, competitive pricing through group purchasing arrangements, and the support of a national network while retaining the personal service of a regional broker.
Wideland arranges insurance for clients across regional and rural Australia — not just Queensland. Farm, crop, livestock, truck, earthmoving, contractor, hospitality, strata and small business insurance for clients from the Kimberley to the Coral Sea, from the Gulf Country to the Southern Tablelands. If you are in regional Australia and need insurance arranged by people who understand country, call Wideland on 07 4602 9002 or enquire online at any time.
Speak with Wideland Insurance Brokers
Regional insurance by brokers who understand country Australia.
Understanding Farm Insurance with Wideland Insurance Brokers
Operating a farm involves a unique set of challenges and risks that require tailored insurance solutions. At Wideland Insurance Brokers, based in Roma, we specialise in providing comprehensive farm insurance coverage designed to protect your agricultural business. With our extensive experience in the insurance sector, we understand the diverse needs of Australian farmers and strive to offer policies that address the specific risks you face.
What is Farm Insurance?
Farm insurance is a specialised policy that covers various aspects of your farming operations. This can include protection for your property, equipment, livestock, and crops. It’s essential for Australian farmers to have appropriate coverage to safeguard against potential financial losses caused by unexpected events such as natural disasters, theft, or accidents.
Key Components of Farm Insurance
Farm insurance policies can be customised to suit your specific needs. Here are some key components that you might consider:
- Property Insurance: Covers damage to buildings, machinery, and other property due to events like fire, storms, or vandalism.
- Livestock Insurance: Offers protection against the loss of livestock due to accidents, disease, or theft.
- Crops Insurance: Provides coverage for loss or damage to crops from perils such as hail, fire, or drought.
- Public Liability Insurance: Protects you against legal liability for third-party injury or property damage arising from your farming operations.
- Business Interruption Insurance: Covers loss of income if your farm operations are disrupted by an insured event.
Why Choose Wideland Insurance Brokers?
Choosing the right farm insurance policy can be complex, given the unique risks associated with agricultural operations. Wideland Insurance Brokers understands these complexities and offers tailored advice to ensure you have adequate protection. Our team in Roma is committed to helping you navigate the various options available and select a policy that fits your specific requirements. To discuss your needs further, feel free to contact us at 07 4602 9002.
Factors to Consider When Choosing Farm Insurance
Here are several factors to keep in mind when selecting farm insurance:
- Risk Assessment: Evaluate the specific risks associated with your farm operations, including geographic location and type of farming activities.
- Coverage Levels: Determine the level of coverage you need to adequately protect your assets and operations.
- Policy Terms: Review the terms, conditions, and exclusions of the policy to ensure they align with your needs.
- Claims Process: Understand the insurer’s claims process to ensure it is straightforward and efficient.
Protect Your Farm with Confidence
Your farm is more than just a business—it’s a livelihood. At Wideland Insurance Brokers, we aim to provide the peace of mind that comes with knowing your farm is protected. Our knowledgeable team is here to help you understand the intricacies of farm insurance and guide you towards the best possible coverage for your needs. For further information, please contact us at 07 4602 9002.
This is general insurance information only and does not constitute personal advice. Cover terms, conditions and exclusions apply.
Get Insurance Advice
Complete the form and one of our advisers will be in touch to discuss your requirements.
Available Monday to Friday, 9am to 5pm AEST. We aim to respond within one business day.