Extensive industry knowledge, decades of combined experience and an exhaustive risk assessment process make Tudor the partner you need to manage risk – personal or business.
Who Should Get Farm Insurance?
Farm insurance suits a wide range of property types and operations, including:
Large-scale crop growers and broadacre farmers
Livestock producers, including cattle, sheep, dairy, and poultry operations
Fruit and vegetable growers
Hobby farms and lifestyle properties
Mixed farming operations
Family-run farms where the home and the business share the same land
If you own rural property that produces anything, keeps animals, or has people working on it, there's likely a level of risk exposure that standard home or business insurance won't adequately cover. That's where a specialist farm insurance broker makes a real difference.
What Does Farm Insurance Cover?
Farm insurance is typically structured as a pack that can be tailored to your specific operation. Tudor works with insurers to find cover that can include:
Home and domestic property: Your home and personal belongings on the farm property, with options for buildings, contents, personal effects, legal liability, and domestic workers compensation.
Farm buildings and structures: Physical loss or damage to farm sheds, silos, tanks, workshops, hay sheds, fences, yards, and other farm improvements caused by defined events or accidental damage.
Livestock: Cover for death or loss of livestock due to specified events, including fire, lightning, and flood. For larger or more specialised operations such as dairy, feedlot, or stud livestock, more comprehensive mortality cover may be available.
Farm machinery and equipment: Tractors, harvesters, irrigation equipment, and other essential machinery can be covered for breakdown, accidental damage, and theft. When machinery fails at a critical time in the season, the financial impact goes well beyond the repair bill.
Public and products liability: Covers claims by third parties for personal injury or property damage connected to your farming business, including visitors, contractors, and customers purchasing produce directly from your property.
Personal accident and illness cover: If you're injured or fall ill and can't work, regular payments can help keep your farm running while you recover. For owner-operators, this is often one of the most overlooked but critical covers.
Loss of income and business interruption: Extreme weather, natural disasters, and disease events can stop a farming operation in its tracks. Cover for lost income during those periods can be the difference between a farm that recovers and one that doesn't.
It's worth knowing that cover, exclusions, and excess levels can vary considerably between insurers. Flood, for instance, is not automatically included in all farm policies, and limits on items like fencing or livestock may be lower than expected. Tudor will walk you through exactly what is and isn't covered before you commit to anything.
Why Use Tudor Insurance as Your Farm Insurance Broker?
Tudor has been helping Australian business owners protect what matters most for over 35 years. We know that no two farms operate the same way, which is why we take the time to understand your specific setup before recommending cover.
As your broker, we work for you, not the insurer. That means we're assessing your actual risk exposure, accessing policies from a range of insurers, and making sure the cover you get matches the way your property and operation actually runs. And when you need to make a claim, we're there to help you through it.
Get Farm Insurance Today
Whether you're running cattle across hundreds of hectares or keeping a few animals on a lifestyle block, your farm deserves proper protection. Speak with a member of the Tudor team or get a quote online today to find a farm insurance policy built around your operation.
Request a Quote
Did you know that what is actually covered can vary considerably between insurers? Often with exclusions or high excess payments that you may not be aware of. You need a broker who can assess your individual situation, offer the right insurance and explain precisely what is and isn’t covered.
It's easy to pay too much for insurance, but it's just as easy to pay too little then find out too late that you're not covered. There's a lot of flashy online insurance calculators out there but they focus only on price. Talk to Tudor and you talk to a real person who knows the what level of cover should be recommended and who will personally help you with a claim.
Working for you.
Other Insurance products to consider
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