Something else that you may want to consider is the risk of fire. Personal Liability cover (under home and contents) will not cover any liability when farm products are produced and sold for monetary value. If you are selling olive products for money you will require additional public / product liability cover - as any business does. ![]() If your land area is too large and not covered by your home and contents policy you will need to consider additional public liability cover. You will need to check with AAMI as to the area they will cover. Some will cover up to 10-15 acres others as little as 5 acres. Each insurer's policy is different with regard to the land area they will cover around the house. Most home and contents policies have a standard public liability cover of $20 million. If you have home and contents insurance you may not require additional public liability insurance (depending on if you selll farm products). For further information and to get a quote visit Cover may include some or all of the following:Īs an example of mixing and matching, on the home farm we don't usually have fence insurance but if it is a season with a high fire risk we have it included in the policy. ![]() You can mix and match to determine the level of cover you require. In regard to general farm insurance it will depend on what you are comfortable with. Product liability will provide cover you in the instance where a product you sell causes injury or sickness (check your policy for details). ![]() If you are selling products from your farm I would definately look at public liability insurance as this will cover not only personal injury or accidents (if your livestock stray onto the road and cause an accident) but also product liability. Insurance premiums tend to be high for hobby farms, with the premium decreasing as the farm increases in size (over 20ha). Welcome to Farmstyle and thanks for the question.
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