Farm Machinery Insurance
Protect your tractors and essential farm equipment with tailored coverage solutions for Australian farmers.
Farming goes far beyond being just a profession—it’s your way of life. Your farm machinery sits at the heart of your operations, helping you plant, harvest, and maintain your land. But what happens when the unexpected strikes? Farm machinery insurance is an invaluable way to protect from risk, helping you navigate theft, and extreme weather events with the security you need.
At CGIB, we understand the unique challenges Australian farmers face. You may own a small family farm, or manage a large agricultural enterprise—whatever your business, we’ll equip it to handle life's uncertainties.
What is Farm Machinery Insurance?
Farm machinery insurance provides financial protection for the equipment that keeps your farm running. From tractors and to irrigation systems and ATVs, this coverage helps you recover quickly from accidental damage, theft, and weather-related events.
Cover for Any Type of Farm Equipment
Tractors
Essential for ploughing, tilling, and transporting heavy loads, our tractor insurance in Australia protects one of the most important pieces of equipment you own.
Balers
For smooth, successful harvesting seasons, opt for farm machinery insurance that protects balers to reduce losses and keep production on track.
Irrigation Systems
Maintain crop hydration with irrigation systems like pumps and sprinklers, with insurance that protects costly repairs or replacements.
ATVs & Farm Utility Vehicles
Used for transporting supplies and navigating large properties, these vehicles face risks from rough terrain, accidents, and theft.
Seeders, Sprayers & Cultivators
Vital for maximising crop yield and supporting soil preparation, planting, and fertilisation, maintain a healthy farmland and safeguard against any disruptions.
The Coverage Details of Our Tractor Insurance in Australia
Our farm machinery insurance policies offer a wide range of protection, including:
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Accidental Damage & Fire Protection: Covers repair or replacement costs in case of accidental damage or fire incidents.
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Theft & Vandalism Coverage: Protect your equipment if it’s stolen or intentionally damaged.
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Weather-Related Damage: Includes protection against floods, storms, hail, and bushfires.
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Transit Cover: Protection for machinery as it’s transported between farm locations.
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Public Liability Coverage: Covers damage caused to third-party property or injury resulting from farm equipment use.
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Optional Add-Ons: Coverage for hired-in equipment, downtime protection, and replacement hire costs.
Why Farm Machinery Insurance is Essential
Your machinery is what keeps your farm running, day and night. It often comes at substantial cost, and unexpected damage or theft can cause major financial setbacks. One single day without your equipment during peak harvest season could result in lost productivity, missed deadlines, and reduced income—all of which can be catastrophic to your business.
Here’s an example: A farmer’s tractor was heavily damaged in a storm just before harvest. Thanks to the right business insurance, their repairs were covered by a quick and simple payout to avoid serious financial loss and project delays. Without this, they would have had to cover the repair costs out of pocket, impacting their cash flow, as well as the running of their farm.
Why CGIB is the Right Option for Farm Machinery Insurance
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Customised Insurance Solutions: Your coverage is designed around the unique needs of your farm, because no two businesses are the same.
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Expert Advice: Access specialists who fully understand farm insurance, as well as any industry-specific risks.
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Trusted Insurers: Backed by leading Australian insurance providers and part of the Steadfast network, we only offer protection you can rely on.
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Australia-Wide Service: You’ll find us in Melbourne, but we offer the same stellar service all across Australia.
Don’t Wait for the Unexpected to Happen
Protect your farm and the essential equipment you’ve worked hard to buy. Choose our industry-leading farm machinery insurance to secure the machinery that keeps your farm running.
Speak to our farm insurance experts and get your online quote today. Simply request a callback, and we’ll create a policy that ensures your farm stays running, whatever life throws your way.
Looking for another insurance solution? We also provide building designer insurance solutions and builders’ insurance products, as well as a range of landlord insurance products to protect your property.
F.A.Q.s
What does farm machinery insurance cover?
Farm machinery insurance provides financial protection for essential agricultural equipment, including tractors, balers, irrigation systems, ATVs, and more. Coverage includes accidental damage, theft, fire, and weather-related incidents like storms, floods, and bushfires.
Does this policy cover equipment in transit?
Yes, our policies include transit cover, protecting your farm machinery while it is being moved between farm locations or transported on public roads. This is essential for farmers who frequently relocate their equipment between paddocks, properties, or contract work sites. If your machinery is damaged, stolen, or involved in an accident while in transit, your insurance can cover repair or replacement costs.
Are leased or rented tractors covered?
Yes, we offer hired-in equipment coverage as part of our farm machinery insurance policies. If you lease or rent a tractor or other farm equipment for a short-term project or seasonal work, you can include it in your policy to protect against accidental damage and theft. This ensures you are not left with unexpected costs if something happens to the machinery while in use.
Does farm machinery insurance cover natural disasters?
Yes, our farm machinery insurance includes coverage for weather-related damage caused by storms, floods, hail, and bushfires. Australian farmers face extreme weather conditions that can severely damage essential equipment. With the right policy, you can recover quickly and avoid financial setbacks caused by unpredictable climate events.
How do I get a farm machinery insurance quote?
Getting a farm machinery insurance quote is quick and easy. You can request a free, no-obligation quote online or speak to CGIB’s farm insurance experts for a customised policy that fits your farm’s unique needs.