Benefits

Tick Icon Additional costs to maintain operations

Cover of up to $10,000 to keep the farm running if there’s a disruption following a loss.

Tick Icon Harvested farm goods

Cover for farm stores and harvested produce not intended for sale.

Tick Icon Animals and goods in transit

This includes cover for loss of farm contents, beehives, animals or produce intended for sale.

Tick Icon Perishable farm goods

Cover if frozen or perishable farm stores are spoiled due to failed temperature control regulators.


FMG’s Farm Contents policy covers the contents you use for your farming operations, including fencing equipment, tools, sprays and generators.

You’ll need to specify if you have beehives, baled wool, seed, grain or other harvested products, if you want these items to be included in your Farm Contents cover.

Under FMG’s Farm Contents policy you’re also covered for theft by paying guests, and reward payments offered to recover goods. This includes employees, tenants or short-term homestay guests who pay you for hospitality, meals and/or accommodation.


Optional benefits

You can purchase optional benefits for even more comprehensive cover.

Natural disaster (FMG recommended)
Cover for damage to your farm contents caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or landslip.

Farm milk – spoilage or contamination 
Covers accidental loss of farm milk in the farm vat caused by spoilage or contamination resulting in subsequent dumping. You are also insured for any penalties you receive because of a loss. Sharemilkers, farm owners and contract milkers are all covered under this benefit.

Farm milk – non-collection 
Cover if your farm milk cannot be collected from farm vats because your farm cannot be accessed due to accidental loss of infrastructure from natural disaster, storm or flood.

Prevention of access – farming interruption 
Covers your loss of profits up to $10,000 for interruption to your farming operations if damage to property, roads, or bridges nearby is preventing access to your farm.


*This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.

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