Farm property and dairy plant
Sheds, dairies, packing facilities, fencing and irrigation infrastructure against defined events.
Tasmania Farm Insurance
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Tasmania Farm Insurance
Farm cover for Tasmanian dairy, horticulture, cropping and grazing.
Tasmania's farm risk profile is different to the mainland. Reliable rainfall and irrigation schemes support high value crops, but wind, hail and fire in dry summers do most of the damage, and the 2013 and 2019 fire seasons showed how quickly conditions turn. Distance from the mainland also stretches repair and replacement timeframes for specialised plant.
What is it?
Tasmanian agriculture runs dairy through Circular Head and the Meander Valley, beef and lamb across the Midlands, processing vegetables under potato and pea contracts on the north west coast, cherries and berries in the Huon and Derwent valleys, poppies grown under licence for alkaloid processing, and cool climate wine in the Tamar and Coal River valleys.
What does tasmania farm insurance cover?
Wind, hail and fire
Storm and fire damage to buildings, netting, protective structures and standing crop.
Crop, stock and machinery
Livestock, contracted crops and plant across whatever mix the property runs.
What affects the cost?
- Enterprise type and contract crops
- Irrigation scheme access and infrastructure
- Fire exposure in dry summers
- Netting and protective structures
- Plant values and repair lead times
Worth raising on the call
- Specialised parts can take longer to reach Tasmania, which lengthens interruption exposure after a breakdown.
- Contract cropping for processors often carries insurance requirements set in the supply agreement.
- Berry and cherry netting is a significant asset that is often insured for less than it costs to reinstate.
Claims we are commonly asked about
Wind strips cherry rain covers
A westerly front tears rain covers and bird netting off a cherry block days before picking and rain splits the fruit underneath. The covers, the frames and the crop are commonly assessed as separate items with separate limits.
Dairy vat refrigeration fails
A vat unit fails overnight and a full collection has to be dumped before the tanker arrives. Recovery generally depends on both the machinery breakdown and spoilage sections being in place, not simply on the plant being listed on the schedule.
Dry summer fire in the Midlands
A fire runs through Midlands grazing country and takes fencing, stored hay and part of a flock. Fencing across long boundaries is typically the item carried furthest below replacement cost after a Tasmanian fire.
Worth confirming in the wording
- Worth confirming whether additional increased cost of working covers freighting parts or bringing a specialist technician from the mainland, since that is what usually stretches downtime.
- Worth confirming whether protective netting and rain covers carry a wind-speed condition or are settled at a proportion of reinstatement cost rather than in full.
- Worth confirming whether contracted crops such as processing vegetables or licensed poppies are valued at the contract price or at open market value when a claim is assessed.
Common questions
Does Tasmanian farm insurance cover crop losses from wind and hail?
Crop cover against defined events including storm and hail is generally available as a specific section rather than automatically. For protected crops the structures and the fruit are usually separate items, so it is worth checking both are adequately covered rather than assuming one follows the other.
Do I need extra cover because parts take longer to arrive in Tasmania?
Freight and technician lead times genuinely lengthen downtime, which is why increased cost of working and a realistic indemnity period matter more here than on the mainland. It is worth setting the interruption period against how long a replacement part has actually taken in the past, not a default figure.
Are poppies grown under licence insurable?
Licensed alkaloid poppy crops are grown under contract with processors and the contract itself often sets insurance requirements. Cover is generally arranged in line with those requirements, so it is worth handing the insurance clause of the supply agreement to your broker before the season starts.
What does Tasmanian farm insurance cost?
It depends on the operation and cannot be quoted sight unseen. The usual drivers are the enterprise type and contract crops, irrigation scheme access and infrastructure, fire exposure in dry summers, the value of netting and protective structures, and plant values alongside repair lead times.
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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