Fencing and water infrastructure
Boundary and internal fencing, yards, troughs, bores and pumps against defined events.
Agistment Property Insurance
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Agistment Property Insurance
Cover for country used to agist other people's livestock.
Agistment turns a paddock into a service. Whether you are taking stock in for a fee during a dry spell or sending your own cattle away, the animals sit on country the owner does not control. The insurance questions follow directly: whose policy covers the stock, who is liable if they get onto a road, and who pays when the fencing burns.
What is it?
Agistment is a paid arrangement to run livestock on someone else's land, and it gets busy through drought when NSW and Victorian graziers move cattle and sheep to country with feed. It ranges from a handshake over a spare paddock to written agreements with weight-gain terms. The landholder generally supplies grass, water and fencing while the stock owner keeps ownership and usually keeps the mortality risk.
What does agistment property insurance cover?
Liability for straying stock
Liability commonly arising when agisted animals get onto a public road or a neighbour's country, subject to the policy terms.
Stock in your care
Cover for livestock you own, and the separate question of damage to animals owned by someone else.
What affects the cost?
- Head numbers agisted
- Fencing type and kilometres
- Fire and flood exposure
- Written agreement in place
- Road frontage and stock movements
Worth raising on the call
- An agistment agreement should say in writing who insures the stock, because both parties routinely assume the other has.
- Public liability for animals straying onto a road is usually the largest single exposure on agisted country.
- Livestock sections generally cover stock you own, so animals belonging to someone else need to be raised specifically.
Claims we are commonly asked about
Agisted cattle on a sealed road
A gate is left open after a water run and twenty agisted steers walk onto a sealed road at dusk, where a car hits one of them. This is generally handled as a liability claim, and the first thing established is usually which party was responsible for the gates and fencing at the time.
Fire through boundary fencing
A grass fire runs through agisted country and destroys eleven kilometres of boundary and internal fencing along with two troughs and a poly line. Fencing is commonly insured under its own stated limit, so the settlement often turns on the per-kilometre figure recorded years earlier rather than on the current contractor quote.
Agisted weaners lost in flood
A creek comes up overnight and thirty agisted weaners are drowned in a low paddock before anyone can shift them. Whether anything is payable generally depends on whose policy actually schedules those animals, and under many handshake arrangements neither party has listed them at all.
Worth confirming in the wording
- Worth confirming whether livestock owned by other people and run on your country falls inside the livestock section at all, or whether that section responds only to animals you own.
- Worth confirming how the liability section responds when agisted stock stray onto a public road or a neighbour's property, and whether that response depends on a written agistment agreement being in place.
- Worth confirming whether fencing carries its own sub-limit and how the per-kilometre or total figure was set, since rural fencing replacement cost moves each season.
Common questions
If I agist my cattle on someone else's property, whose insurance covers them?
Generally the stock owner keeps ownership and the mortality risk while the landholder insures the land, fencing and water infrastructure, but nothing about that split is automatic and it depends on what each policy schedules. Many agistment arrangements are verbal, which is exactly when both parties discover they each assumed the other had cover in place. Putting the insurance responsibility in writing before stock move is the practical fix.
Do I need a written agistment agreement?
There is no single national requirement, but a written agreement is what an insurer, and later a court, will look to when deciding who was responsible for fencing, gates, water and stock supervision. It should name who insures the livestock, who maintains the fencing, and what happens if animals stray or die. Without one, disputes usually come down to competing recollections.
How much does agistment property insurance cost?
There is no standard figure, and it is priced against the specific property and arrangement rather than off a rate card. The main drivers are head numbers agisted, kilometres and type of fencing, road frontage and stock movements, bushfire and flood exposure, the value of water infrastructure, and whether a written agreement exists. Sums insured usually move the premium more than the rate does.
Does public liability cover me if agisted stock cause a car accident?
Farm liability sections commonly respond to injury and property damage arising from your farming operation, which can include stock straying onto a road, subject to the policy terms and any conditions about fencing and gates. Whether your policy or the stock owner's policy responds depends on who is found responsible for the breach. It is worth confirming this exact scenario in the wording before taking stock in.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See farm insurance for the wider picture.
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