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Why You Need Farm Insurance

Announcement posted by Rural and General Insurance 07 Jan 2014

Farm owners need to protect themselves from these potentially crippling situations.

business insurance brokers

Owning a farm can be a risky business. Even with the best intentions, accidents happen - injury from machinery or a customer’s allergic reaction to one of your products can result in your or your farming business being sued. Farm owners need to protect themselves from these potentially crippling situations.

Farms can be dangerous places; there is no denying that. There are many chemical and physical hazards, as well as the risks from selling products to the public. Humans by their very nature, have accidents, and when heavy machinery and chemicals are around, the severity of these accidents increases.

Farm insurance is vital for any functioning farm, just like construction workers need builders insurance or salons need beauty insurance. There are many aspects to running a farm, and all of them need to be protected. For this reason, business insurance brokers can provide specific farm insurance that covers all types of farms, agriculture and rural properties.

Diseases such as foot and mouth disease can hit livestock or crops can be affected by disease, leading to income streams suffering severely. Farm buildings, vehicles, and machinery can be damaged, particularly from the elements, and at times need replacing; depending on the situation, farm insurance can cover these unexpected expenses.

Almost all farms are producing something to sell to the public, whether it is food, milk, animals or wool. When dealing with people, public liability insurance is required to protect both the business and the consumer. Even the most careful producer can run into problems with somebody having an allergic reaction to a product or slipping over on an apple in the warehouse. Businesses need to be protected by liability insurance to cover these aspects.

Rural and General is a professional business insurance broker who represent businesses to underwriters effectively and with business`s needs at the forefront. They specialise in all types of business insurance, such as marine, aviation, cargo, rural and farm insurance, as well as special event insurance, professional indemnity, income protection and life insurance.

More details about farm insurance can be found on the Rural and General website:

Rural & General Insurance Broking

Level 1, Rural & General House
3 Victoria Road, Parrammatta NSW 2150
1300 620-520
http://www.ruralandgeneral.com.au