Harvest fire
Standing crop, stubble and machinery against fire, including fires started by harvesting equipment.
Western Australia Farm Insurance
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Western Australia Farm Insurance
Farm cover for WA wheatbelt cropping, pastoral country and horticulture.
Western Australian farming is large scale, remote and machinery heavy. Harvest fire is the defining risk across the wheatbelt, where a header can start a blaze that runs for kilometres before a brigade arrives, and frost in the Great Southern and eastern wheatbelt can take a crop weeks before harvest. Distance also stretches repair and replacement timeframes.
What is it?
WA agriculture is built around the wheatbelt growing wheat, barley, canola, lupins and pulses into CBH receival sites and the Kwinana, Albany, Esperance and Geraldton port zones, alongside sheep and wool enterprises, pastoral cattle in the Pilbara and the Kimberley, irrigated horticulture at Carnarvon and Kununurra, and wine in Margaret River and the Great Southern.
What does western australia farm insurance cover?
Machinery and guidance
Headers, chaser bins, seeding rigs, tractors and the precision equipment fitted to them.
Property and livestock
Homestead, sheds, silos, fencing and stock against defined events.
What affects the cost?
- Hectares cropped and machinery fleet
- Harvest fire mitigation equipment
- Remoteness and brigade response time
- Frost exposure in the district
- Cyclone exposure in northern pastoral country
Worth raising on the call
- Insurers ask about fire units, water carts and harvest ban compliance, and the answers can affect terms.
- Long distances mean downtime after a harvest breakdown usually costs more than the repair.
- Northern pastoral properties are rated on cyclone exposure rather than the wheatbelt fire profile.
Claims we are commonly asked about
Header fire runs for kilometres
A header starts a fire in a wheat paddock on a hot afternoon and it runs several kilometres before a brigade arrives, taking crop, fencing and part of a neighbour's paddock. The machine, the crop and the liability to the neighbour are three separate conversations on the one event.
Frost through the eastern wheatbelt
A hard frost in September takes the grain out of a barley crop that had looked like an above-average season. Frost generally sits outside standard crop sections, so it needs to be arranged specifically where it is available at all.
Cyclone over northern pastoral country
A cyclone crosses a station in the Pilbara and takes shed roofing, tanks and kilometres of fencing across country that is a long way from any trade base. Remoteness stretches both the repair timeframe and the cost of getting materials and people on site.
Worth confirming in the wording
- Worth confirming whether fire cover carries conditions about carrying firefighting units or water carts, and about complying with harvest and vehicle movement bans on high fire danger days.
- Worth confirming whether liability for a fire that spreads onto neighbouring or Crown land sits inside the liability section, and what limit applies to it.
- Worth confirming whether the policy pays extra freight, travel and expediting costs when parts and trades have to come from Perth or interstate, since that is often the largest part of a remote claim.
Common questions
Am I liable if my header starts a fire that spreads to a neighbour?
Liability generally depends on the circumstances, including whether harvest bans and reasonable precautions were being observed, and it is assessed case by case. The farm liability section is what would ordinarily respond, so it is worth confirming the limit is realistic for wheatbelt conditions where a fire can cross several properties.
Does WA farm insurance cover frost?
Frost damage generally falls outside standard crop cover, which responds to defined events such as fire and hail. Availability of any frost arrangement varies by district and underwriter, and eligibility and terms would need to be confirmed before sowing rather than assumed.
Is harvest fire cover automatic on a farm policy?
Fire cover for machinery and buildings is generally included, but cover for standing crop and stubble is commonly a separate section that has to be selected. Conditions about firefighting equipment and ban compliance often attach to it, so the conditions matter as much as the limit.
What does Western Australian farm insurance cost?
It depends on the property and cannot be quoted in advance. The main drivers are hectares cropped and the machinery fleet, the harvest fire mitigation equipment carried, remoteness and brigade response time, frost exposure in the district, and cyclone exposure for northern pastoral country.
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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