Farm & Crop Insurance Covers Your Property, Equipment, and Crops

Farm & Crop Insurance covers farm buildings, equipment, and contents, and can extend to cover crops against loss from events such as fire, storm, and other insured perils. It's designed around the realities of farming operations, including outbuildings, sheds, and equipment spread across a large property.

Cover can be structured to reflect the specific crops grown, the equipment used, and the buildings on the property, rather than treating a farm like a standard commercial premises. We help you put together a policy that reflects how your farm operates.

Which Sectors Often Need Farm & Crop Insurance

These are the sectors where Farm & Crop Insurance is typically a core requirement — not on the list? Get in touch and we'll talk through what you need.

Click on a sector to learn more about other insurances that may be needed to protect your business.

What You'll Need for a Farm & Crop Insurance Quote

We'll talk you through it so that you get the insurance you need for your situation
Property & Buildings

Details of the farm buildings, sheds, and structures you want insured, including their value.

Equipment List

A list of farm equipment and machinery to be included, separate from any mobile plant insured elsewhere.

Crops & Production

The type of crops grown or produce farmed, and the area under production.

Claims History

The details of any farm or crop-related claims made in the past 5 years.

How Farm & Crop Insurance Differs From Related Products

Farm & Crop vs. Commercial Property

Commercial Property is generally suited to standard commercial buildings. Farm & Crop is structured around farm-specific buildings, equipment, and crops, including risks that a standard property policy doesn't typically address.

Farm & Crop vs. Plant, Equipment & Machinery

Farm & Crop can include farm equipment as part of a broader property policy. Plant, Equipment & Machinery is a standalone policy for equipment, which may suit operations with higher-value or more specialised machinery.

Farm & Crop vs. Livestock Insurance

Farm & Crop covers property, equipment, and crops. Livestock Insurance covers the animals themselves — many farming businesses need both, depending on what they produce.

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Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

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The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.

Logo

Polaris is an Australian insurance broker. We place and review cover for businesses that want a policy built around them, and service to match.

Company

HEAD OFFICE

Backed by the strength of Steadfast

Steadfast logo

The information on this page is general in nature and does not take into account your individual objectives, financial situation, or needs. Before making a decision about an insurance product, consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). Polaris Risk Services Pty Ltd ABN 62 689 768 634 AFSL 700131 acts as your insurance broker and sources policies from a range of insurers on your behalf. Polaris does not act for any insurer.

© 2026 Polaris Risk Services Pty Ltd.