Standing crop cover
Cotton against defined events, principally fire and hail, arranged by region and area planted.
Cotton Farm Insurance
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Cotton Farm Insurance
Cover for irrigated and dryland cotton operations.
Cotton concentrates a very large amount of capital into a narrow window. Picking gear alone runs past a million dollars, modules sit in the paddock waiting for a truck to the gin, and irrigated country carries pumps, pivots and channel works that one storm can take out in an hour. Hail late in the season is the peril growers watch most closely.
What is it?
Australian cotton is grown mainly in the Namoi, Gwydir, Macquarie and Murrumbidgee valleys of New South Wales and around the Darling Downs, St George and Emerald in Queensland, as either irrigated or dryland crops depending on water availability. The plant list includes round module pickers, module builders, boll buggies, pivots and laterals, pumps and channel infrastructure, plus modules staged for cartage.
What does cotton farm insurance cover?
Picking and module plant
Pickers, module builders and boll buggies against accidental damage, fire and breakdown.
Modules and cartage
Round or rectangular modules while stored in the paddock and while being carted to the gin.
What affects the cost?
- Hectares planted and irrigated share
- Picker and module plant values
- Regional hail frequency
- Irrigation infrastructure value
- Time modules sit before cartage
Worth raising on the call
- Modules left in the paddock after picking are a distinct exposure from the standing crop and are worth confirming.
- Picker fires are common enough that suppression gear and daily blow-down routines affect how the risk is viewed.
- Water entitlements and channel infrastructure are usually handled outside the crop section altogether.
Claims we are commonly asked about
Picker fire during a night shift
Lint and trash build up around the exhaust on a round module picker and the machine burns during a night shift. Picker fires are frequent enough in Australian cotton that suppression equipment and daily blow-down routines usually come up during assessment.
Hail on a crop near defoliation
A February storm strips open bolls two weeks before picking is due to start. What is payable generally depends on whether hail was taken, on the area declared and on how the policy scales value against the crop's stage.
Modules damaged waiting for cartage
Round modules staged at the end of a field are damaged by fire, or by rain penetrating torn wrap, before the truck arrives to take them to the gin. Modules waiting on cartage are typically a separate item from the standing crop and need to be scheduled as such.
Worth confirming in the wording
- Worth confirming whether picked modules waiting in the paddock and moving to the gin are scheduled, since they generally sit outside the standing crop item.
- Worth confirming how pivots, laterals, pumps and channel structures are covered and whether storm damage to irrigation plant carries its own limit.
- Worth confirming what fire suppression, blow-down and night-picking requirements the machinery wording imposes on pickers and module builders.
Common questions
Does cotton insurance cover a water allocation being cut?
Generally not. Crop cover in Australia is usually built around defined events such as fire and hail, not around water availability, allocation decisions or commodity price. Water entitlements are a separate asset that is handled outside the crop section altogether.
Is hail cover worth taking on cotton?
That depends on your valley's hail history, the value of the crop at risk and the timing of your picking window, since hail on open bolls late in the season is the loss growers watch most closely. A broker can show how the rating differs by region and area planted so the decision rests on numbers. It is a commercial call rather than a standard answer.
What does cotton farm insurance cost?
It depends on hectares planted and the irrigated share, picker and module plant values, regional hail frequency, irrigation infrastructure value, how long modules typically sit before cartage, and the excesses chosen. Picking and module plant is often the largest single line on the schedule.
Does the gin insure my modules once they are collected?
Not automatically in your favour. Responsibility usually shifts according to the gin or cartage contract, and a carrier's liability is generally limited rather than full cover for the goods. It is worth reading those contract terms and confirming exactly where your cover stops and theirs begins.
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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