A contractor visits to quote on fencing. Walking near the shearing shed, they trip on an exposed hose and break an ankle. They claim for medical costs and lost income and you need help responding to the claim.

Farm liability cover may pay compensation and any settlement if you are legally liable for injury or damage to others, up to your limit of indemnity.

Overnight, thieves force a padlock and break into your machinery shed. They steal a generator, hand tools and a spray pump. The roller door is bent, so you arrange urgent repairs and replace the stolen gear before morning.

Farm theft cover may help replace insured items stolen in a break in, plus damage to shed doors or locks, up to your limit and excess.

A grassfire jumps the firebreak and burns through your hay shed and nearby workshop. Hay, tools and a water pump are destroyed. You remove debris, secure the site, then rebuild and restock to keep the farm running.

Farm asset insurance is designed to cover insured buildings and farm contents lost or damaged by fire or lightning, up to your limits and excess.

A summer storm brings hail and strong wind. Your machinery shed roof lifts and rain gets in, soaking electrical gear and feed bags. You cordon off the area, organise tarps, then repair the roof and replace damaged items.

Farm property insurance is designed to cover insured buildings and contents damaged by wind, hail or rainwater, up to your limits and excess.

A staff member clicks a fake invoice email. A virus locks your farm office computer and corrupts your bookkeeping and livestock records. You pay an IT tech to rebuild the system and ask the policy to cover the data loss and recovery costs.

Electronic data loss from cyber attack, computer virus, or system or operator error is commonly excluded unless specific cover applies.

You notice drums of chemicals and a portable welder are missing from the shed. There’s no sign of forced entry and later you find out a casual worker took them. You still submit a theft claim and say strangers broke in overnight.

Dishonest or fraudulent acts are excluded. If you or employees caused the loss, or the claim is dishonest, the insurer can refuse to pay.

You add a new machinery shed. After the first heavy rain, water poured in because the roof flashing was fitted poorly. Your hay and spare parts get soaked and you lodge a claim to redo the roof work and replace the damaged items.

Policies may cover the water damage, but not the faulty workmanship or design itself. Redoing the roof flashing is excluded.

Your irrigation pump has been leaking slowly for months. One morning it stops and the shed floor is wet. The bearings have worn out, the motor is rusted and you ask to replace the pump and clean up the water damage.

Not a sudden insured event. Wear and tear, rust, corrosion and gradual deterioration are excluded, so replacing the pump is your cost.