Farm Packages

Q: Can I insure my private vehicle on my farm policy?

Yes , you can insure a private motor vehicle on your farm insurance policy, however, the cover may vary from that available under a stand-alone motor vehicle policy. As your adviser, we will discuss these options with you.

Q: Can I pay my premiums by the month?

Yes. First Peoples Insurance can arrange monthly premium funding for many insurance policies through approved premium funding providers. For commercial insurance policies, the interest charged on a premium funding loan may be tax deductible, depending on your circumstances. Tax treatment differs for personal insurance products and may not be deductible. You should seek advice from your accountant or tax adviser regarding the tax implications of any premium funding arrangement.

Q: How do I make a claim?

As your Adviser, you will always contact First Peoples Insurance in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

A Farm or Rural Insurance package can be tailored to provide cover for your Rural Insurance requirements as well as your Residential requirements on your property. This can specific cover to meet the needs of your rural business or hobby farm.

Why is this cover important?

We know how important your farm is. Therefore you want the right cover to protect your property and stock from threats such as damage from fire and storm, crops and loss of livestock.

Business Interruption after an insured event is also available, which allows you to be reimbursed for your loss of income after an insured event allowing you to get back to what you know best.

Policy cover can include

As a farm owner, there is nothing more important than having comprehensive insurance cover. The policies available through First Peoples Insurance can cover:

Domestic Buildings & Contents

Damage to property (Building, Contents and Stock), caused by fire and nominated perils. Accidental damage cover is available, which provides a broader level of cover than the Defined events policy.

Farm Property

Farm Contents and Farm Buildings, including Farm Machinery and Working Dogs.

Burglary and Theft

Of Farm Contents; Hay, Grain, Fencing, Livestock and Farm Trees.

Business Interruption

In the event that an insurable loss causes you to cease trading, this cover can replace any lost income during a period of time.

Business Liability

Covers your legal liability for any bodily injury and property damage arising out of the course of your business activities.

Machinery Breakdown

Covers repair or replacement cost after a breakdown to your plant and equipment.

Money

Covers Loss or damage to cash, cheques, and negotiable instruments.

Public and Products Liability

Covers your legal liability for any bodily injury and property damage arising out of the course of your business activities.

Personnel Cover

Including personal income and personal accident, injury and illness.

Road Transit

Stock cover whilst in transit.

Motor Vehicles

Cover can be extended to include private or company owned vehicles if required.

First Peoples Insurance is a 100% Aboriginal-owned, full-service insurance broker, not a product seller. We partner with you to understand your risks and design tailored insurance brokering solutions that evolve with your needs.

We have access to a large range of quality insurers and policies to ensure you obtain the best possible coverage.

Our claims team has years of experience and expertise in successfully managing complex and difficult claims.

Frequently Asked Questions for Farm Insurance Packages

Various cover sections can be selected for a Farm Policy. This can include your Domestic House and Contents and Farm Liability only for smaller lifestyle blocks or hobby farms, or cover for Business Interruption for your Farm Business Operation.

Yes, you can insure a private motor vehicle on your farm insurance policy, however, the cover may vary from that available under a stand-alone motor vehicle policy. As your adviser, we will discuss these options with you.

Yes. First Peoples Insurance can arrange monthly premium funding for many insurance policies through approved premium funding providers.

For commercial insurance policies, the interest charged on a premium funding loan may be tax deductible, depending on your circumstances. Tax treatment differs for personal insurance products and may not be deductible.

You should seek advice from your accountant or tax adviser regarding the tax implications of any premium funding arrangement.

We can review this request with insurers in the Farm and Rural Insurance Market to ensure that the covers in place meet your requirements.

As your Adviser, you will always contact First Peoples Insurance in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.