Loved by 10,000+ Property Owner
Farm Insurance Built For Tasmanian Properties
Protect your home, sheds, machinery, livestock and crops with farm insurance that fits the way you actually run your property. Local advice in Tasmania, backed by the national McLardy McShane network.
- Local broker based in Sandy Bay, servicing farms across Tasmania
- Access to major Australian farm insurers and specialist rural markets
- Help with claims and renewals so you are not dealing with call centres
Farm insurance for real Tasmanian operations
Broadacre and mixed farms
Sheep and cattle grazing
Dairy operations
Orchards and vineyards
Market gardens and cropping
Contracting and agri services
Farm stay and tourism income
Farm shops and cafes on site
Hobby farms that still need protection
Common issues we find when reviewing farm insurance
Many Tasmanian farms are underinsured or sitting on outdated policies. When something goes wrong, the gaps only show up at claim time. When we review farm programs, some patterns appear again and again.
Sums insured that have not kept up with replacement costs
Sheds, fencing and machinery often insured for values that are years out of date.
Farm home and contents not correctly linked to the farm policy
Gaps between domestic and farm sections that can cause disputes.
Business interruption not included or set too low
Little or no protection for lost income after a major event such as fire, storm or machinery breakdown.
Incorrect activities disclosed
Side income such as farm stay accommodation, contracting or tourism experiences not declared.
Multiple policies with different insurers and renewal dates
Hard to manage, making it easy for renewals to roll over without review.
Key covers for Tasmanian farms and agribusiness
Farm property
Farm home, workers accommodation, sheds, workshops, dairy and barns.
Public and products liability
Protection if someone is injured or property is damaged as a result of your farming activities, contracting work or visitors on farm.
Farm contents and tools
Fixed plant, tools, small equipment and general contents.
Farm motor and fleet
Utes, trucks, prime movers and farm registered vehicles.
Farm machinery and mobile plant
Tractors, harvesters, sprayers, side by sides, quad bikes and implements.
Business interruption
Loss of income after an insured event, including additional increased costs to get back up and running.
Livestock
Sheep, cattle and other livestock, including specified high value animals.
Theft and money
Theft of tools, machinery and farm contents, and theft of money where cover is available.
Crops and pasture
Cover for certain insured perils where available, and options for viticulture and orchards.
Workers compensation
Mandatory cover for employees and contractors working on your farm. We create a comprehensive risk profile for insurers to ensure accurate pricing and appropriate cover.
Workers Compensation: One of the biggest pain points for farms
Dedicated WC team
Specialist brokers who work exclusively with workers compensation claims and compliance
Accurate risk profiling
We create comprehensive risk profiles that ensure fair pricing and appropriate cover
Claims support
Active support throughout the claims process to get employees back to work faster
We understand the compliance requirements, the paperwork burden and the claims process. Our dedicated workers compensation team takes the complexity out of the equation so you can focus on running your farm.
Simple three step process for your farm insurance
1
Farm review and fact find
We start with a short call and, where practical, a visit to your farm. We look at your land, sheds, machinery, income streams and any side activities so we understand your full risk picture. We create a comprehensive risk profile for insurers, which is especially relevant for workers compensation pricing and cover.2
Market approach and options
We go to appropriate farm insurers and underwriting agencies through the McLardy McShane network. You receive clear options that show sums insured, key inclusions and exclusions, excesses and pricing.3
Ongoing support and claims help
We stay in touch on renewals, changes and claims. When something goes wrong, you call us first. We help lodge and manage the claim and keep you updated.Local relationship, national strength
McLardy McShane Tasmania is your local brokerage partner in Hobart, backed by a national group that places hundreds of millions in premium with Australian insurers each year. That scale helps with market access and pricing, while you still deal with a local broker who understands Tasmanian farms.
- Local broker based in Sandy Bay, servicing farms across Tasmania
- Access to major Australian farm insurers and specialist rural markets
- Help with claims and renewals so you are not dealing with call centres
Example: farm review mixed grazing and cropping in the Midlands
A family owned mixed grazing and cropping farm came to us with policies spread over two insurers. Sheds and machinery were insured for historic values and there was no business interruption cover in place. After a full review we updated building and machinery sums insured, included business interruption and consolidated key covers under one farm pack. The overall premium was slightly higher, but the client gained significantly better protection and clarity around what was insured.
Farm insurance FAQs
No. We work with hobby farms through to large agribusiness. The important part is that we understand what you do so we can match the right cover.
Yes. In many cases we can act as your broker with your current insurer and simply improve the structure and service, rather than changing insurers immediately.
Given the increase in building materials, machinery and labour costs, we recommend at least an annual review of major sums insured and a deeper review every few years or after major changes on farm.
We usually ask for your current farm schedule, a breakdown of activities and income streams, an overview of machinery and livestock, and details of any recent major claims. We can step through this with you on a call.
Yes. Farm stay, tours, cellar doors and other on farm income streams are common and need to be disclosed. We can structure cover so these activities are noted and insured correctly.
In Tasmania, workers compensation is mandatory if you employ anyone, including casual workers, seasonal staff, contractors and family members who are paid. Even if you only have one employee, you must have cover in place. We can help you understand your obligations and arrange appropriate cover.
Yes, if family members receive wages or salary for their work on the farm, they must be covered under your workers compensation policy. This applies even if they are shareholders or directors of a farming company. Unpaid family members generally do not require cover.
Contractors should have their own workers compensation insurance. However, you need to ensure they provide proof of cover before they start work. If a contractor does not have adequate insurance, you may be liable for their workers under your policy. We can help you understand your obligations when engaging contractors.
Request a farm insurance review
McLardy McShane Tasmania
General advice only. Before acting on this information you should consider whether it is appropriate to your objectives, financial situation and needs, and read any relevant Product Disclosure Statement.
McLardy McShane
Tasmania’s trusted partner for farm insurance solutions
Contact
Phone: 0416 457 143
Email: toma@mclardymcshane.com.au
Level 3, 301 Sandy Bay Road
Sandy Bay TAS 7005
