Property and shearing shed
Sheds, yards, fencing and shearing plant.
Sheep And Wool Farm Insurance
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Sheep And Wool Farm Insurance
Cover for wool and prime lamb enterprises.
Wool enterprises hold value in the clip as well as the flock. Wool in the shed or in transit is a distinct exposure that a general farm policy may not automatically pick up.
What is it?
Sheep operations run wool, prime lamb or dual-purpose enterprises with shearing sheds, yards, feeders and extensive fencing, moving stock between paddocks and to saleyards and processors.
What does sheep and wool farm insurance cover?
Wool clip
Wool in store and in transit, which is frequently overlooked.
Flock and liability
Livestock against defined events plus operational liability.
What affects the cost?
- Flock size and enterprise type
- Wool clip value and storage
- Shearing shed condition and use
- Fire exposure
- Contractor arrangements
Worth raising on the call
- Wool in the shed between shearing and sale is a real and often uninsured exposure.
- Shearing sheds are frequently older timber structures with higher fire risk.
- Contract shearers raise liability and workers compensation questions.
Claims we are commonly asked about
Shearing shed fire during shearing
A fault in the old shed wiring starts a fire during a shearing run and the plant, the wool press and the pressed bales stored in the shed are lost. These claims usually split across building, plant and wool in store, and the wool component is frequently the part that turns out not to have been declared.
Bales damaged on the way to store
A truck carting bales to the wool store slides off a wet gravel road and the bales are wet and contaminated by the time they are recovered. Whether this responds generally depends on whether wool in transit was arranged and on whether the carrier's own liability cover answers first.
Stud ram killed on the property
A recently purchased stud ram is struck by a vehicle on a farm track and has to be destroyed. Individually scheduled animals commonly carry wider mortality terms than the commercial flock, so the claim usually depends on whether the ram was scheduled and valued before the loss rather than after it.
Worth confirming in the wording
- Worth confirming how wool in store between shearing and sale is treated, since it may sit under a sub-limit inside contents, may need to be declared separately, and may be restricted to nominated storage locations.
- Worth confirming how weather-related flock losses are handled, because deaths from exposure after shearing or from a sudden cold snap are commonly limited or outside defined-events livestock cover.
- Worth confirming whether contract shearers and shed staff sit inside your liability section or need their own arrangements, and how the relevant state workers compensation rules treat them as deemed workers.
Common questions
Is my wool covered while it is sitting in the shed?
Wool in store is a real and frequently uninsured exposure, and it is not always picked up automatically by a general farm contents section. It is worth confirming the sub-limit, whether the storage location is nominated in the schedule and whether the sum insured reflects the clip value at that time of year.
Are my sheep covered if wild dogs attack the flock?
Attack by wild or straying dogs is commonly limited or outside standard commercial livestock cover, which is generally built around fire, lightning, electrocution and accidental death. Some insurers consider it where there is exclusion fencing and a documented control program, so it is worth asking rather than assuming either way.
Do I need workers compensation for contract shearers?
It depends on the engagement and on your state, because deemed worker rules can bring contractors inside the workers compensation scheme even when they invoice you. The safe approach is to check the position with your state workers compensation authority and to sight certificates of currency from the contractor before the run starts.
What drives the cost of sheep farm insurance?
Pricing generally tracks flock size and enterprise type, the value of the clip and how it is stored, the age and construction of the shearing shed, bushfire exposure, the sums insured on fencing and infrastructure, contractor arrangements and claims history. Older timber sheds with live shearing plant tend to attract the most underwriting attention.
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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