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Farm Insurance

Cover designed to protect your agriculture business or hobby farm

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What's covered
Additional cover
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Flexible insurance for small commercial farms or hobby farmers

RACV Farm Insurance is for small hobby farms or horticulture businesses and is designed to protect your farm machinery and more.

Key inclusion

You can tailor your package by choosing from different cover options, so you don’t pay for insurance you don’t need.

Cover for your farm

Home building

Protect your domestic homestead by covering your home building and built-in fittings.

Home contents

Protect domestic assets and equipment in your home, such as clothing, office equipment or furnishings.

Farm property

Covers your farm buildings, contents, machinery, fencing and hay in the event of a fire or defined event, like storm damage.

Farm liability

Protect your farm against liability claims for accidental property damage or personal injury caused by your farm operations.

Farm vehicle

Add cover for your farm vehicles, including cars, tractors, trucks, utes, motorcycles, quad bikes, trailers and forklifts.

Machinery breakdown

Covers breakdown of machinery you need to run your farm.

This is a summary only – terms, conditions and policy limits apply. For the full details of what is and is not covered you can read the RACV Farm Insurance Policy.

Additional cover to tailor your package

Farm property in transit

Protects your equipment, produce and supplies against fire, collision, overturning or theft while they are in transit.

Portable and electronic equipment

Covers the breakdown of office equipment, such as computers, printers and phones, anywhere in Australia.

Business interruption

Covers your business expenses if your gross income is interrupted, or damaged by an incident we cover.

Additional working costs

Covers you for the additional expenses to maintain normal farm operations following a defined event (e.g. a bushfire), so you can keep your farm operating while critical equipment is replaced or property restored.

Tax audit expenses

Covers the cost of professional fees resulting from a tax office audit or investigation.

We'll make it quick and easy

Tailored to your business

Optional covers tailored to your business, so you don’t pay for insurance you don’t need.

We'll save you time

Get a quote and cover online or by phone. We’ll reduce unnecessary paperwork and save you time.

Trusted by thousands

Protecting thousands of Victorian businesses like yours.

Frequently asked questions

Some examples of claims that might be covered under RACV Farm Insurance would be:

  • someone who visits your farm slips and breaks their ankle
  • you accidentally damage a neighbour’s property with your equipment
  • livestock escape their fencing and cause a car crash
  • someone becomes ill after eating a farm product you sold.

These are summaries only. For more information on what is and is not covered you can read the RACV Farm Insurance Policy.

RACV Farm Insurance caters to the needs of small hobby farms. It's designed to meet the insurance needs of a wide range of small farming and horticultural businesses, while offering the flexibility to choose from 11 different types of cover to protect your business.

We thank our business customers for their understanding and patience during the general insurance industry Business Interruption test case process. The test cases were an important step in clarifying how business interruption policy wordings were to be interpreted in the context of the COVID-19 pandemic. The courts have now finalised the test case process and the outcomes can now be applied in determining COVID-19 pandemic business interruption claims.

There have been two test cases in relation to business interruption cover and COVID-19 impacts that now have a final outcome. The outcome of these test cases may impact your entitlement to cover under a business interruption policy. 

  • The first test case determined that certain policy exclusions that referred to a disease declared to be a quarantinable disease under the Quarantine Act 1908 (Cth) could not be applied to claims relating to COVID-19.
  • The second test case determined various issues relevant to business interruption cover, providing clarity on to the interpretation of business interruption policy wordings. The court determined that in all but one case the policyholders were not entitled to cover under their policies. In the remaining case, the court found that the policyholder may be entitled to cover under the particular terms of their policy. As a result, certain policyholders may be entitled to cover depending on the particular terms of their policy and the facts and circumstances of their claim.
  • In the second test case, the court also determined that a disease exclusion clause that referred to a disease declared to be a ‘listed human disease’ under the Biosecurity Act 2015 (Cth) applies to exclude cover for COVID-19.

Further information in relation to the test cases is available on the Insurance Council of Australia’s website.

Your entitlement to cover will depend on the particular terms of your policy wording and the individual facts and circumstances of any loss you may have suffered.

If your business has been affected by COVID-19 and you have business interruption cover, you can talk to us about making a claim on 13 19 03 or contact your broker.

If you have already lodged a claim under your business interruption policy for COVID-19 impacts we will contact you separately in relation to this claim.

Tips and advice for your business

The information provided is general advice only and does not take into account your personal circumstances. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. As a referrer, RACV Insurance Services Pty Ltd AFS Licence No. 230039 receives commission for each policy sold or renewed. Product(s) issued by Insurance Australia Ltd, ABN 11 000 016 722, AFS Licence No. 227681.