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    3. Farm Insurance Packages

    Farm Insurance Packages

    A Farm or Rural Insurance package can be tailored to provide cover for your Rural Insurance requirements as well as your Residential requirements on your property. This can specific cover to meet the needs of your rural business or hobby farm.

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  • Why is this cover important?

    We know how important your farm is. Therefore you want the right cover to protect your property and stock from threats such as damage from fire and storm, crops and loss of livestock.

    Business Interruption after an insured event is also available, which allows you to be reimbursed for your loss of income after an insured event allowing you to get back to what you know best.


    As a farm owner there is nothing more important than having comprehensive insurance cover. The policies available through Citycover can cover:

    • Domestic Buildings & Contents

      Damage to property (Building, Contents and Stock), caused by fire and nominated perils. Accidental damage cover is available, which provides a broader level of cover than the Defined events policy.

    • Farm Property

      Farm Contents and Farm Buildings, including Farm Machinery and Working Dogs

    • Burglary and Theft

      Of Farm Contents; Hay, Grain, Fencing, Livestock and Farm Trees.

    • Business Interruption

      In the event that an insurable loss causes you to cease trading, this cover can replace any lost income during a period of time.

    • Business Liability

      Covers your legal liability for any bodily injury and property damage arising out of the course of your business activities.

    • Machinery Breakdown

      Covers repair or replacement cost after a breakdown to your plant and equipment.

    • Money

      Covers Loss or damage to cash, cheques, and negotiable instruments.

    • Public and Products Liability

      Covers your legal liability for any bodily injury and property damage arising out of the course of your business activities.

    • Personnel Cover

      Including personal Income and personal Accident, Injury and Illness.

    • Road Transit

      Stock cover whilst in transit.

    • Motor Vehicles

      Cover can be extended to include private or company owned vehicles if required.

  • Why Us?

    When you take out a tailored Farm Insurance Package, you will immediately have access to our expert claims team for personal service on claims, and our experienced advisers for advice on Risk Management.

      • We seek insurance through leading Australian Insurance Companies.
      • We value strong relationships with our clients and insurers, and work towards appropriate solutions for you with insurers that demonstrate knowledge relating to your business and the specific insurance that is required.
      • Our claims consultants have many years of experience and are available 24 hours a day, 7 days a week.  At all times, our advisers are available to assist with your enquiries.
      • We are a member of Austbrokers/AUB Group, therefore we have access to market leading products.
  • FAQs

    Frequently Asked Questions for Farm Insurance Packages.

    • What can be covered by a Farm Policy?

      Various cover sections can be selected for a Farm Policy. This can include your Domestic House and Contents and Farm Liability only for smaller lifestyle blocks or hobby farms, or cover for Business Interruption for your Farm Business Operation.

    • Can I insure my private vehicle on my farm policy?

      Yes, you can insure a private motor vehicle on your farm insurance policy, however the cover may vary from that available under a stand-alone motor vehicle policy. As your adviser, we will discuss these options with you.

    • Can I pay my premiums by the month?

      Yes. All insurance offered by Citycover can be paid by the month through premium funders. If you chose to use the premium funder’s service, your monthly instalments will be tax deductible.

    • I grow produce and sell this at Farmer’s Markets. Can my Farm Liability policy cover this activity?

      We can review this request with insurers in the Farm and Rural Insurance Market to ensure that the covers in place meet your requirements.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

    • Find Out More
  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Managing Director

      Stewart Harker


      Daneille Crawford

      Head of Client Services

      Gayle Herriman

      Head of Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)

    • Always friendly service,  always great product,  always prompt service.. 12 years and still always so good and stress free to deal with you… thank you.

      Julie B
      26th October, 2017