Insurance and risk advice for agriculture and rural businesses.

Omnisure works with farmers, agribusinesses, rural contractors and regional enterprises to manage the risks that come with running complex operations in unpredictable environments.

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Rural businesses face a unique mix of operational, environmental and financial risk.

Every farm and rural business operates differently. Property, machinery, livestock, crops, vehicles, employees and supply chains can all create exposures that need to be considered together.

Omnisure takes the time to understand how your operation works, the assets you rely on and the risks most likely to interrupt your business. This allows us to build insurance programmes that are fit for purpose rather than relying on a standard rural package.

The result is cover that can keep pace with changing seasons, weather conditions, compliance requirements and the evolving needs of your business.

The right rural insurance starts with understanding how your farm or business actually operates.

Agricultural risk goes well beyond the homestead.

Rural businesses often combine property, people, machinery, vehicles, livestock and production risk in one operation, making it important to look at the whole picture.

01. Weather and natural events

Fire, storm, flood and other severe weather events can affect property, crops, livestock, infrastructure and business continuity.

02. Machinery and equipment

Tractors, harvesters, pumps, irrigation systems and specialist machinery are critical to day-to-day operations and can be costly to repair or replace.

03. Livestock and production

Livestock, crops and produce can be exposed to loss, disease, weather events, transport incidents and other operational risks.

04. Property and infrastructure

Homesteads, sheds, fencing, silos, storage facilities and other farm infrastructure can represent significant value across a rural property.

05. Vehicles and transport

Utes, trucks, tractors, motorbikes and other vehicles play an essential role in rural businesses and often operate across varied conditions.

06. Business interruption

An insured event can affect more than physical assets, with downtime, additional working costs and lost income potentially creating significant financial pressure.

Cover designed around the full rural operation.

Every rural business is different, so the right insurance programme should reflect the assets, activities and risks specific to the way you operate. Omnisure’s rural offering can include cover across farming, livestock, cropping and specialist agricultural operations.

01.

Farm Property Insurance

Cover for homesteads, farm buildings, sheds, fencing and other property assets used across the operation.

02.

Farm Machinery and Equipment

Protection for tractors, harvesters, irrigation equipment, tools and other machinery critical to running the business.

03.

Livestock Insurance

Cover for livestock exposures relevant to the operation, including loss arising from specified insured events.

04.

Crop and Agricultural Cover

Insurance options for broadacre cropping, cotton, viticulture, fruiting trees, timber plantations and other agricultural activities.

05.

Farm Motor and Vehicle Insurance

Cover for farm and private vehicles including utes, trucks, tractors, motorbikes and other vehicles used throughout the operation.

06.

Public and Products Liability

Protection against claims involving third-party injury or property damage arising from farm operations, products or activities.

07.

Machinery Breakdown

Cover for sudden and unforeseen breakdown of insured machinery and equipment.

08.

Transit Insurance

Protection for livestock, produce, machinery and equipment while being transported between locations.

09.

Business Interruption and Additional Working Costs

Cover designed to help manage the financial impact of an insured event that disrupts normal business operations.

10.

Workers’ Compensation

Support for workplace injury risk, claims management and the obligations associated with employing people in rural and agricultural environments.

A practical approach to managing rural risk.

Rural businesses are constantly changing with seasons, markets, assets and operating conditions. Our approach is designed to keep insurance aligned with the way the business actually works.

01. Understand the operation

We look at the full picture, property, machinery, livestock, vehicles, people and production, so the insurance programme reflects the real risks across the business.

02. Review as the business changes

Farms and rural businesses evolve over time. We help review cover as assets, activities and exposures change rather than waiting until renewal to identify gaps.

03. Keep the programme practical

The goal is to make insurance easier to understand and manage, with clear advice focused on the risks that could have the greatest impact on your operation.

Rural insurance built around the way you actually operate.

No two farms or agribusinesses are the same. Our approach is to understand the operation first, then build an insurance programme around the risks that matter most.

Deep rural understanding

We take the time to understand your property, production, machinery, people and operating model before recommending cover.

Tailored programmes

Whether you run a family farm, specialist agricultural operation or larger corporate enterprise, the programme is shaped around your specific exposures.

Proactive support

As conditions, assets and operations change, we help review your cover so the programme continues to reflect the business.

Claims support when it matters

When something goes wrong, our team stays involved to help coordinate the claim and keep the process moving.

Talk to our agriculture and rural specialists.

Our team works with farmers and rural businesses to understand their operations, protect key assets and build insurance programmes that can adapt as conditions change.