Hobby farm insurance

Even if your farm is a hobby or leisure farm that you don’t earn an income from, you should consider farm insurance. Farming can be a dangerous activity, and most home and contents policies don’t cover farming activities.

Farm equipment and livestock create risks that are unlikely to be covered in your normal home and contents cover. For example, consider the liability implications if one of your livestock were to escape and cause a car crash. 

Regardless of whether your farm is used to earn income or not, you will probably need farm insurance. 

Farm liability covers you against liability claims for property damage or personal injury as a result of your farm operations.  

This includes:

• Legal costs incurred in the defence or settlement of a claim
• Cover for others that may be acting on behalf of your business when the incident occurred
• Loss or damage of goods – which are in your care custody or control which you do not own
• Loss or damage of someone else’s property that occurs while performing your service
• First aid expenses at the time of an incident
• Injury to others who sustain injury whilst visiting your premises

For more information about what is and is not covered, please read the PDS.

Some examples of claims that might be covered under your public liability policy would be:

• A visitor to your farm slips and breaks their ankle
• You accentually 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 examples only. For more information about what is and is not covered, please read the PDS.

CGU's Hobby farm insurance includes your domestic home (building) and public and product liability.  In addition, you can build and customise your policy with 8 additional covers: 

• Domestic contents
• Portable contents
• Farm building cover for hay sheds, machinery sheds, stables, workshops and work sheds 
• Farm machinery cover for tractors, headers, quad bikes and ride on mowers
• Livestock cover for cows, sheep, pigs, horses, alpacas and chickens
• Hay
• Farm contents
• Fencing cover (internal and external)

For more information about what is and is not covered, please read the PDS.