Farm pack

From crops to livestock and farm machinery, CGU’s expertise as Australia’s largest regional and rural insurer has you covered.


CGU’s Farm Package lets specifically tailor cover for your individual farm’s needs.

As Australia’s largest regional and rural insurer, CGU has the expertise to tailor specialty insurance packages for all customers – from hobby farmers and graziers to small and large regional businesses.

This customisable farm insurance provides a range of different insurance types all under one policy – making it easy to insure your farm operation with one policy.

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Key features

  • Build your customised policy from 11 sections of cover
  • Cover available for leisure and hobby farms under 20 hectares that generate less than
  • $20,000 turnover each year
  • Include your domestic homestead as well as your farm operations
  • Wide-ranging insurance protection for your farm under one policy
  • Tailor your insurance solution to meet your farm’s needs


Farm package lets you customise your insurance from these 10 types of cover

Domestic property

You can chose from two different cover levels for your domestic home and contents:

  • Defined events – this is our low-cost option which protects against certain events like fire, storm, explosion, earthquake, malicious damage and burglary.
  • Accidental damage – this protects you against all Listed Events as well as any other event not specifically excluded from the policy. You also have the benefit of new for old replacement cover for your farm dwellings.

The Contents cover also provides new for old replacement cover, and automatically covers you and your family for up the $20 million Personal Liability if you are held responsible for an occurrence anywhere in Australia.

The Contents section also covers:

  • Works of art
  • Valuable items
  • Credit card loss
  • Theft of money
  • Lock replacement
  • Visitors’ property
  • Office equipment including mobile phones and laptops
  • Modification of your home following an injury

Fire and other defined events

This covers farm buildings and contents, plus farm improvements like windmills and free-standing silos, for their currently value or replacement cost if you choose.

Disposal of dead livestock and removal of fencing debris are among the valuable extras in this section

You have the option to choose to cover Defined events or Accidental Damage. Additional cover is also available for specific items like CB radios, mobile phones, computers and fax machines anywhere in Australia.

Farm machinery and working dogs

Your machinery can be covered against fire, storm, impact explosion and the malicious acts of other people. You can also cover your working dogs.


Under this section you can insure your contents.
Theft also includes damage to farm buildings and employees' property
Business liability

When you select this option, you are covered against injury to others or damage to their property. This may be caused by the use of unregistered vehicles and farm machinery, straying stock, the escape of fire or property in physical or legal control (limits apply).

Machinery breakdown

You can choose to insure all of your machinery or selected items of machinery against electrical, electronic and mechanical breakdown. Overtime repair costs are automatically included.

Personal income

This can provide you with an income should you have an accident or become ill and are unable to work. You can choose accident only cover, or accident and illness. You may also include cover for hazardous pursuits (such as football, water skiing, polo, etc.).

Road transit

This covers your livestock, produce, general farm goods and machinery against damage by fire, flood, or collision while travelling by road in your vehicle. It also covers road transit for your general farm goods, machinery, livestock and produce while on any vehicle.

Note: This is a general description of cover only – full details are set out in the Policy Wording document

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