Benefits
Additional costs to maintain operations
Cover of up to $10,000 to keep the farm running if there’s a disruption following a loss.
Harvested farm goods
Cover for farm stores and harvested produce not intended for sale.
Animals and goods in transit
This includes cover for loss of farm contents, beehives, animals or produce intended for sale.
Perishable farm goods
Cover if frozen or perishable farm stores are spoiled due to failed temperature control regulators.
FMG’s Farm Contents policy covers the contents you use for your farming operations, including fencing equipment, tools, and generators.
You’ll need to specify if you have beehives, baled wool, seed, grain or other harvested products, if you want these items to be included in your Farm Contents cover.
Under FMG’s Farm Contents policy you’re also covered for theft by paying guests, and reward payments offered to recover goods. This includes employees, tenants or short-term homestay guests who pay you for hospitality, meals and/or accommodation.
Optional benefits
You can purchase optional benefits for even more comprehensive cover.
Natural hazard (Natural disaster) – FMG recommended
Cover for damage to your farm contents caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or landslide.
Farm milk – spoilage or contamination
Covers accidental loss of farm milk in the farm vat caused by spoilage or contamination resulting in subsequent dumping. You are also insured for any penalties you receive because of a loss. Sharemilkers, farm owners and contract milkers are all covered under this benefit.
Farm milk – non-collection
Cover if your farm milk cannot be collected from farm vats because your farm cannot be accessed due to accidental loss of infrastructure from natural hazard (natural disaster), storm or flood.
Prevention of access – farming interruption
Covers your loss of profits up to $10,000 for interruption to your farming operations if damage to property, roads, or bridges nearby is preventing access to your farm.
To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.
For more information on our recent policy changes click here.
This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.
Farm Contents Policy Wording Effective for new policies, items or renewals from:
