Rural
Fleurieu & Hills Insurance specialises in comprehensive rural insurance solutions tailored to meet the diverse needs of the agricultural community.
At Fleurieu & Hills Insurance, we understand the unique challenges of rural life and farming, and our tailored insurance products are designed to protect your livelihood against the specific risks faced by the agricultural industry.
Farm Insurance
Farmers rely on their Farm Insurance policies to protect their property, equipment and operations against a wide range of risks and uncertainties
specific to the agricultural sector. Comprehensive policies tailored to the clients needs will help safeguard the financial stability of the farming business.
Farm Property Insurance:
These sections cover the physical assets on your farm, including:
- Domestic Buildings, Contents and Personal Property for homeowners living on the farm.
- Farmhouse Buildings (barns, sheds, silos, etc … ) protection may include damage from fire, storm, vandalism & other perils.
- Equipment & Machinery including tractors, headers, seeders against loss through insured events
- Livestock insurance for animals against death due to fires & other listed events including limited theft cover.
Farm Liability Insurance:
Liability coverage protects you in case someone is injured or property damage occurs as a result of your farming operations.
- Public liability protection against legal claims from third parties who suffer injury or property damage as a result of your negligence.
- Product liability if you sell goods like produce or livestock, this insurance covers claims related to those products causing harm.
farm motor Insurance
Farm Motor Insurance is designed to cover vehicles used in agricultural operations. Given that farming requires the use of a variety of vehicles, from tractors to utes (utility vehicles), we can arrange insurance that ensures that these essential tools are protected against damage, accidents and other related risks.
Fleurieu & Hills Insurance can help with:
Types of Vehicles Covered:
Farm Motor Insurance is designed for a wide range of vehicles commonly used in farming operations including:
- Tractors, Headers, Sprayers, Rakes, Balers & Seeders …
- Utility Vehicles (Utes)
- Farm Trucks and Trailers
- Fork Lifts, Transplanters, Telehandlers etc …
- Other Specialised Agricultural Machinery
The policy can also provide cover on Personal Vehicles used privately or in conjunction with farm activities.
Specialised coverage for farm activities:
Unlike standard motor or commercial motor insurance, Farm Motor Insurance is tailored to the specific need of an agricultural business.
Crop Insurance
Crop Insurance is designed to protect farmers & agricultural business from the financial risk associated with crop damage. This insurance provides coverage
for various broadacre crops grown in rural districts throughout Australia, offering peace of mind to farmers who are exposed to unpredictable risks including severe
weather events & bushfires.
Fleurieu & Hills Insurance can help with:
crop coverage:
Crops are highly vulnerable to weather and Crop Insurance provides protection against:
- Fire Only: Broadacre Crops are highly susceptible to Bushfires in the summer periods leading up to harvest, crop insurance can protect you against loss from this major peril.
- Fire & Hail: In addition to Fire, Hail Cover can be included in the policy coverage. Hailstorms can destroy crops in a matter of minutes, damaging both yield & quality.
Hail coverage ensures farmers are compensated against any losses as a result of a severe hailstorm.
Additional Cover Options Available:
In addition to the above, a crop insurance policy may incorporate extra coverage options when indicated on your policy schedule including:
- Replanting Subsidy
- Chemical Overspray
- Stock Intrusion
- Stored Crop
- Fire Fighting Costs
- Transit
- Standing Staw
Fluerieu & Hills Insurance will be able to tailor a crop insurance program suitable for your individual circumstances & coverage requirements.
Hobby Farm Insurance
Hobby Farm insurance is for small scale farms, often referred to as hobby farms or lifestyle farms. These farms are generally not the primary source of income for the owner, however they still involve significant investment in land, buildings, fencing, infrastructure and sometimes animals. Hobby Farm Insurance provides coverage for the unique risks associated with managing a small farm property, while addressing personal assets like the home along with the other agricultural property.
Fleurieu & Hills Insurance can help with:
HOBBY FARM & LIFESTYLE INSURANCE:
Hobby Farm Insurance typically combines elements of farm insurance & home insurance, providing a tailored product for both personal & farming related risks. Key areas of coverage generally includes:
- Domestic Buildings, Contents and Personal Property for homeowners who live on the hobby farm
- Farm Property & Structures (Workshops, Chicken Sheds, Barns, Stables, Tanks & other agricultural infrastructure etc … ) protection may include damage from fire, storm, vandalism & other perils
- Fencing the perimeter fencing surrounding the hobby farm is generally excluded from the clients Home Section and consideration about coverage is important
- Livestock insurance for your farm animals against death due to fires & other listed events which may include some limited theft cover
HOBBY FARM LIABILITY INSURANCE:
Liability coverage protects you in case someone is injured or property damage occurs as a result of your hobby farming operations.
- Public Liability protection against legal claims from third parties who suffer injury or property damage as a result of your negligence
- Products Liability if you sell goods like produce or livestock, this insurance covers claims related to those products causing harm