Essential Farm Insurance Policy

Plus Insure is an independent farm insurance adviser that works across multiple providers to build the right combination of agricultural insurance for your farm and rural business operation. We're backed by BankWAW, a trusted and reliable community bank that's worked this region since 1961.

A Plus Insure farm policy can bring everything you need under one roof: property, machinery, and equipment cover for risks like fire, storms, and theft, protection for your income if business is interrupted, and liability cover if an accident happens on your farm.

Rather than juggling separate policies, you get one tailored agricultural business insurance solution built around how your operation actually runs. With the right farm insurance in place, you can focus on what matters most: running your farm with confidence.




Cover That Fits Your Whole Farm or Rural Business

From the homestead to the header, a working farm carries more risk than any single policy usually accounts for. As your trusted farm insurance adviser, here's what a tailored Plus Insure farm policy can include:



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Farm Property Damage

Covers sheds, silos, and stored produce against fire, and storm. A single bad event shouldn't threaten the whole operation, which is why cover flexes to the specific buildings and produce on your property, not a generic list of assets that doesn't match how your farm is actually set up.

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Business Interruption

When an insured event like fire or storm stops or slows your operations, farm business interruption insurance covers lost income and the increased cost of working while you recover. It keeps cash flow moving during a difficult period, so you're not left funding the recovery entirely out of your own pocket while business gets back on track.

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Theft and Burglary

Covers stolen equipment, tools, and produce, along with break-ins to farm sheds and buildings. Rural properties are often remote and harder to monitor than a typical business premises, which raises the stakes if something goes missing. This cover helps protect the assets that are hardest to keep an eye on.

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Public Liability

Protects the farm if a visitor, contractor, or member of the public is injured on the property, or if farm operations cause damage to someone else's property. Farms see more foot traffic than people expect, including visitors, delivery drivers, and contractors, so this agricultural business insurance matters more than most owners realise.

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Home and Contents

Many farms have the family home on the same title as the business. This lets the residence and its contents be covered under the same policy as the farm, so you're managing one policy instead of two, with cover that reflects both your home life and your working operation.

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Private Motor

Covers personal vehicles used on and around the property for everyday life, separate from vehicles used for business purposes. This keeps your personal transport protected without mixing it in with commercial cover, so each part of your motor insurance matches how the vehicle is actually being used.

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Commercial Motor

Covers utes, trucks, and trailers used for business purposes, the vehicles that keep daily operations moving. Whether it's transporting stock, produce, or equipment, this cover is built around the practical, everyday use these vehicles see on a working farm.

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Fencing

Fencing is often excluded or capped on standard policies, something many owners don't realise until it's too late. Boundary and stock fencing can be included here, giving you cover for an essential part of the property that's frequently overlooked elsewhere.

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Machinery Breakdown

Covers mechanical or electrical breakdown of fixed and mobile plant, including pumps, irrigation systems, and generators. This is different to accidental damage, since breakdown relates to internal failure rather than an external event, and having both covered means fewer gaps in your protection.

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Electronic Breakdown

Covers the farm management electronics that keep a modern operation running, including computers, precision-ag technology, and security and monitoring systems. This protects the tech side of your farm, not just the physical machinery, recognising how much day-to-day operations now rely on it.

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Tax Audit

Reimburses accounting costs if the ATO reviews or audits your business. It's a lesser-known inclusion, but a valuable one, and exactly the kind of cover a comparison site wouldn't think to offer as part of a farm policy.

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Farm Machinery

Covers tractors, harvesters, headers, and other implements against accidental damage, breakdown, and theft. This keeps the focus on the major mobile equipment that keeps the farm running day to day, protecting the assets your operation depends on most.

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Farm Insurance safeguards your property and income from fire and storm damage, theft, and public liability. Our advisers can compare policies from multiple insurers to find your fit.

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Why Choose Plus Insure

Tailored Solutions for Every Need

As advisers, we work with a range of insurers to find the most suitable coverage for your unique situation. Whether it's for your business or personal assets, we create solutions that align with your priorities.

Client-First Approach

We work for you, not the insurers. Our team is committed to acting in your greater interest, ensuring you get fair, transparent, and value-driven coverage every time.

Locally Owned and Operated

As part of BankWAW, Plus Insure is proud to be locally owned and connected to the community. We take pride in offering personalised service and building lasting relationships with our clients.

Frequently Asked Questions

Some questions frequently asked by our customers

What does a farm insurance policy actually cover?
Can I combine my home and my farm business on one policy?
Does farm insurance cover fencing?
What's the difference between machinery breakdown and farm machinery cover?
How do I get a quote?

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Whether you need coverage for your home, business, or personal assets, our quotes are clear, flexible, and designed to meet your specific needs.

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