Visitors and contractors
Injury to people on the property, including contractors and agents.
Farm Liability Insurance
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Farm Liability Insurance
Cover for third-party injury and damage across the farming operation.
Farms carry visitors, contractors, machinery on public roads and stock that can escape. Liability follows all of it, and it is the section most likely to produce a claim larger than the farm's insured property.
What is it?
Farm liability responds to third-party injury and property damage arising from the farming operation - visitors on the property, machinery on roads, spray drift, escaped stock and contract work performed for others.
What does farm liability insurance cover?
Escaped stock
Damage and injury caused by stock leaving the property, including on roads.
Spray drift and contract work
Damage to neighbouring crops and work performed off-farm.
What affects the cost?
- Enterprise type and size
- Whether contract work is done off-farm
- Spraying practices and equipment
- Public access and farm-gate sales
- Road frontage and stock crossings
Worth raising on the call
- Escaped stock causing a road accident is a leading rural liability claim.
- Spray drift onto a neighbour's crop can be very expensive.
- Contract work performed for others is assessed separately.
Claims we are commonly asked about
Escaped stock hit on the road
Cattle push through a boundary fence at dusk and a car hits one on the road, injuring the driver and writing off the vehicle. Claims like this generally turn on whether the fence and gates were reasonably maintained, and the legal costs of defending the allegation can be significant on their own.
Spray drift onto a neighbour's crop
A summer application drifts onto a neighbour's susceptible crop and the damage does not become visible for several weeks. These claims commonly involve agronomic assessment of the yield loss and close examination of records showing wind conditions, nozzle set-up, product and application rate at the time.
Contractor injured at the auger
A contractor helping unload grain catches a hand in an auger with a missing guard and is off work for months. Whether this sits in liability or in workers compensation generally depends on how the person was engaged, which is why the engagement records matter as much as the incident report.
Worth confirming in the wording
- Worth confirming how damage to property in your care, custody or control is treated, since a neighbour's machinery, hired equipment or agisted stock in your possession is commonly limited under a general liability section.
- Worth confirming whether contract work performed off the farm for payment, such as spraying, harvesting or earthworks for others, is inside the liability section or needs to be declared and rated separately.
- Worth confirming how pollution and spray drift are defined, because cover is commonly restricted to sudden and accidental events rather than gradual or repeated escape.
Common questions
Does farm liability cover me if my cattle cause a car accident?
Third-party injury and property damage caused by escaped stock is one of the main reasons farm liability exists, and it is a leading rural claim type. Whether it responds in a given case generally depends on the policy terms and on the circumstances, including fence and gate maintenance, so the wording and the facts both matter.
How much public liability cover do I need on a farm?
Limits of $10 million or $20 million are commonly arranged for farming operations, and some contracts, councils, saleyards and processors specify a minimum in writing. The right limit depends on your exposure, particularly road frontage, public visitation and any contract work, so it is worth sizing it against the worst realistic claim rather than the average one.
Does farm liability cover my workers?
Generally no. Injury to your own employees is dealt with by workers compensation, which is a separate, compulsory, state-based scheme, and liability policies commonly exclude employee injury on that basis. Contractors can be more complicated, because deemed worker rules vary by state.
Am I covered if I do contract spraying for a neighbour?
Work performed for others for payment is usually assessed separately from your own farming operation and often needs to be declared. Some wordings will extend to occasional neighbourly work and others will not, so it is worth confirming the position before the first invoice rather than after the first claim.
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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General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.