Protecting Your Land, Livelihood & Legacy
Rural & Farm Insurance
Operating a farm or rural enterprise comes with unique risks - from weather events and machinery loss to liability and livestock exposures. Whether you're running a large-scale broadacre farm, managing a stud operation, or operating a diversified rural business, Bruce Chiene Insurance Brokers will work with you to find an insurance solution that suits the shape and scale of your operation.
What We Cover
Our rural insurance programs are designed to cover everything from paddock to production.
Key areas include:
Farm Property & Infrastructure
- Farm dwellings and residences
- Sheds, outbuildings, silos and tanks
- Fencing, gates, water infrastructure
- Pump houses, windmills, and reticulation systems
Livestock Cover
- Stud and commercial animals
- Agistment, transportation and straying risks
- Mortality, theft and accidental injury
- Optional disease or specified peril extensions
Farm Liability Insurance
Protecting your operations and relationships with the public, workers, and contractors:
- Public & products liability
- Farm visitor and contractor injury
- Environmental and chemical spray drift
- Liability for agri-tourism activities and on-farm events
- Legal defence costs, even if you're not at fault
Parametric Insurance (Weather-Linked Cover)
In areas or industries where traditional cover is limited or unavailable - such as high-risk hail regions or niche crop sectors - parametric insurance may offer a fast, data-based solution.
These policies provide a payout when certain weather thresholds are triggered (e.g. rainfall, temperature, wind or hail), regardless of a traditional claims assessment.
Useful for:
- Hail risk during critical crop phases
- Drought or excessive rainfall events
- Temperature-sensitive harvests
- Remote or high-claims areas where insurers may have withdrawn capacity
Parametric solutions can work alongside your existing farm insurance to enhance your risk protection and financial certainty.
Crops & Produce
- Fire, hail and weather-related damage
- Grain, hay and fodder storage
- On-site and in-transit cover
- Harvested goods and perishables
Farm Motor Insurance
From utes and trucks to tractors and bikes, we arrange motor cover purpose-built for farm use:
- Commercial utes, sedans and station wagons
- Heavy farm vehicles like prime movers and grain tippers
- Ag-registered machinery and farm bikes/ATVs
- Trailers, tankers, and spray rigs
- Flexible use classification - including dual-use (farm + private)
- Cover for accidental damage, rollover, flood and fire
- Windscreen excess waivers and roadside assistance options available
Machinery & Equipment
- Tractors, harvesters, loaders and spreaders
- Spraying equipment and irrigation systems
- Tools, portable equipment and ATVs/side-by-sides
- Breakdown, theft and accidental damage options
Did You Know?
Many standard farm insurance policies exclude flood cover by default - even if you have cover for storm or rainwater.
If your property is near a river, creek or floodplain, or you’ve experienced inundation in the past, it’s important to discuss your flood risk with a broker. Additional options may be available - or alternative structuring (like parametric cover) might better suit your needs.
We’re here to help and make sure your farm is protected against the risks that matter to you.
Who We Work With
We support clients across the full rural and regional spectrum, including:
- Broadacre and mixed farming operations
- Livestock producers and stud farms
- Irrigated cropping and orchards
- Viticulture, horticulture and niche growers
- Contract harvesters, spreaders and spray operators
- Agri-tourism operators and rural commercial enterprises
- Lifestyle and hobby farms
Get in touch
Talk to us today
Let’s build a rural insurance solution that covers what matters - so you can get on with the job
Related Insurance Services
We offer wide range of other Insurance services.
Business Insurance
Construction Insurance
Cyber Insurance
Domestic Insurance
FreightInsure
Industrial Special Risks
Management Liability
Marine, Transport & Logistics Insurance
Plant & Equipment
Professional Indemnity
Rural & Farm Insurance
Strata Insurance
Workers Compensation