Cyclone, storm and flood
Sheds, machinery and infrastructure against wind and water events, with terms varying by district.
Sugar Cane Farm Insurance
0418 166 122Compare sugar cane farm insurance quotes from multiple Australian insurers. Insurance quotes from a licensed Australian broker with Steadfast network access.
By requesting a quote you accept our financial services guide and privacy policy. General information only.
Sugar Cane Farm Insurance
Cover for cane growing, harvesting fleets and crush season exposure.
Cane is grown in Australia's cyclone and flood belt, and the crop stands in the paddock for a full year before harvest. A cyclone crossing the Herbert or the Burdekin can flatten standing cane and the ratoon consequences run into following seasons. The harvesting fleet is expensive and only earns during a short crush window each year.
What is it?
Cane farms run from Mossman and Tully through the Herbert, Burdekin, Mackay and Bundaberg districts, and along the NSW Northern Rivers at Condong, Broadwater and Harwood. Growers manage plant and ratoon crops, cane railway sidings and haul roads, and operate chopper harvesters, haul-outs, tractors and irrigation, delivering to a mill on a fixed crush schedule.
What does sugar cane farm insurance cover?
Fire in standing cane
Cane fire cover, including fires started during harvesting operations, subject to the policy terms.
Harvesting fleet
Chopper harvesters, haul-outs and tractors, where a breakdown during the crush carries its own cost.
What affects the cost?
- District and cyclone zone
- Hectares under cane and ratoon age
- Harvester and haul-out values
- Flood history on the block
- Irrigation infrastructure
Worth raising on the call
- Downtime during the crush usually costs more than the repair itself, so breakdown terms matter.
- Flood cover for low-lying river blocks is underwritten tightly and should be confirmed early.
- Harvesting for other growers is contract work and generally needs to be declared.
Claims we are commonly asked about
Cyclone flattens standing cane
A cyclone crosses the district and flattens cane weeks before it is due to be cut. Harvesting becomes slower and dirtier, and the effect on the following ratoon usually sits outside anything a general policy contemplates.
Harvester fire during the crush
A chopper harvester catches fire in the field at the peak of the crush and is out of action for weeks. The machine claim is only half the problem, because a replacement harvester in the district is very hard to source mid-season.
Flood silts a low river block
Floodwater runs across a low-lying block and silts drains, headlands and irrigation gear along with the standing crop. Whether the loss is recoverable depends entirely on whether flood was included for that address when the policy was placed.
Worth confirming in the wording
- Worth confirming whether fire cover in standing cane responds to fires started by your own harvesting equipment, and whether spread onto a neighbouring block sits inside the liability section.
- Worth confirming whether hiring a replacement harvester or paying a contract cutter during downtime is contemplated, and for how many days.
- Worth confirming whether the cyclone excess is calculated as a percentage of the sum insured rather than a flat amount, because the difference on a large schedule can be substantial.
Common questions
Is standing cane covered for cyclone damage?
Crop cover for wind and cyclone is not automatic and is underwritten by district. Cane that is flattened rather than destroyed also raises a valuation question, because it may still be harvestable at higher cost and lower yield. What responds and how it is assessed comes back to the policy terms and the PDS.
Am I covered for a fire I start while harvesting?
Cane fire cover commonly contemplates fires started during harvesting operations, but conditions attached to it matter, and a fire that leaves your boundary raises a separate liability question. Both the crop section and the liability section are worth checking together rather than relying on one.
Do I need business interruption if I only grow cane?
The crush window is short and fixed, so time lost during it is generally harder to recover than time lost outside it. Business interruption or increased cost of working can respond to the cost of keeping cane moving to the mill while your own plant is down, which is often the larger part of the loss.
What does sugar cane farm insurance cost?
It depends on the block and cannot be quoted in advance. The main drivers are the district and cyclone zone, hectares under cane and ratoon age, harvester and haul-out values, the flood history on that specific block, and the irrigation infrastructure in place.
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.
10 Years Advising Steadfast Network Access Licensed Australian Brokers Australia-Wide
Quotes That Are Fast And Easy
Get a quote fast. Compare quotes from multiple insurers. Get the best deal for your sugar cane farm insurance.
How Do You Get Started?
We make sugar cane farm insurance fast and easy at Insurance Time. Get a quote today.
-
Start a quote.
Fill the quote form above, or call us on 0418 166 122.
-
Quotes gathered.
Our team will approach insurers and gather your options.
-
You're covered.
Choose your option and receive your policy documents.
Why Choose Insurance Time
Protect yourself with cover arranged by a licensed Australian broker who explains it in plain English.
Professional
Our team are experienced in sugar cane farm insurance and licensed to advise on it.
Experienced
Ten years advising Australian families and businesses, with Steadfast network access.
Renewal management
Our team will manage your renewals and keep you informed and up to date.
24/7 claims
Notify us of a claim 24/7, 365 days a year.
Cover Options
We can arrange different levels of cover for you and your business.
Motor vehicles and fleets
Third party to comprehensive motor and fleet cover.
Public liability
Protection for third party property damage or personal injury.
Business package
Customised cover for your business assets and liabilities.
Personal insurance
Protection for you and your family.
Property
Protection for your personal and business premises and contents.
Workers compensation
Cover questions for your employees and workers.
Get A Quote. It's Complimentary.
It's time to review your sugar cane farm insurance.
General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.