Insurance Brokers Who Understand Farmers
Farming is a specialty business with many elements to consider. So when it comes to insurance cover, how do you separate the wheat from the chaff?
At Lync Insurance, we’ve spent season upon season talking with farm owners about what day-to-day business looks like. Our brokers understand what you need to protect.
We can support you through:
Home, Contents & Personal Cover for Farmers
If you live on your farm property, this coverage protects your home and personal belongings against risks like fire, theft, or storm damage.
Farm Property Cover
Protects buildings, sheds, fences, and other structures that you have on your farm from accidental damage and natural disasters.
Third Party Legal Liability
Visitors or contractors who are injured on your farm can take legal action against you. Third party insurance covers you for legal fees or medical expense payouts.
Livestock
Livestock can be a costly investment, farmers’ insurance covers you if your animals are injured by accident, stolen, or killed from a disease.
Farm Vehicles
Covers you for accidental damage to vehicles on your farm, including large machines like headers and trucks.
Crops
Provides you with financial compensation if your crops fail to grow due to an environmental threat or event. Crop cover is based on a declared-yield arrangement, protecting your expected harvest against loss.
Workers’ Compensation
Covers any employees or nominated subcontractors working for the farm if they are injured while at work. This includes medical fees.
Other Farm Activities
Activities of the farm can be wide-ranging and therefore may not always fall into a typical farm pack policy. Our team of farming & agriculture insurance specialists can help you identify any other risks that may exist within your farm.
Insurance for Hobby Farms
In Western Australia, a ‘hobby farm’ is a small-scale farm that takes up less than 20 hectares of land, although they can be as small as a backyard farm. Hobby farms are usually used for personal recreation rather than commercially, however, selling some of your farm’s food is still possible. Although it’s not a business, hobby farms need insurance to protect the owner from losses or accidental injury to third parties.
Hobby farm insurance protects your property and farm equipment, such as tools, sheds, and small machinery, if they’re damaged during fires, storms, or other accidents. It also offers financial protection for your farm animals – even a small number can represent a significant investment. If your livestock are injured, stolen, or lost due to disease or natural disaster, hobby farm insurance can help cover you.
In addition, this insurance includes third-party public liability coverage. For instance, if a visitor is injured on your property due to hazards like uneven ground or electric fences, or if someone becomes ill from food you’ve given them from your hobby farm, the policy can help cover medical expenses and legal costs.
Protect Your Farm with the Right Insurance Plan
Our specialist brokers combine years of agricultural insurance experience with deep industry knowledge to guide you through every policy option. We’ll assess your property, equipment and operations to find potential coverage gaps and explain how each policy component works. Get in touch with our brokers today for the best insurance coverage for your farm.
Please read the insurer’s Product Disclosure Statement/Policy Wording(s) to familarise yourself with the covers, limits, excesses, conditions and exclusions therein and to ensure the policy meets your needs. Please contact us to obtain a copy of the relevant PDS.
