Crop & Livestock

Crop and livestock insurance

Together we combine our farm insurance expertise with your knowledge of the farm, to discuss options which may include but are not limited to:

  • Business Interruption Cover
  • Livestock Enterprise Cover
  • New for old machinery replacement up to 3 years from new, and
  • Guarantee against Underinsurance to cover your buildings in line with the correct market value, irrespective of potential inflated replacement costs.

Our All-in-One Farm Pack allows you to tailor your cover and insure what matters most to your livelihood. We offer three levels of cover and for each item, you determine what level of excess is appropriate, so you have greater control over your premiums.



Winter Crop update

To ensure the long-term future of our crop insurance, we have commenced the process of redeveloping our crop product. As an insurer dedicated to farmers, we understand that insurance affordability and sustainability is top of mind for many farmers across the country. That is why, after careful consideration, we have made the difficult decision not to offer winter crop insurance in 2019. The variability and unpredictability of winter crop production in Australia made this a difficult insurance cover to offer and recent years have only highlighted this.

We have proudly offered Winter Crop insurance for the last five years and we recognise that this is currently a unique and unprecedented situation for farmers and the wider industry. As part of our strategy, Achmea will review how we can best protect cropping businesses against these weather impacts.

Crop insurance that is fit for the future

When it comes to crop insurance, this situation requires its own unique response. That is why we are taking a long-term approach to developing a sustainable product. We have established a dedicated Crop Insurance Working Group to provide input into redeveloping our crop product. This process will allow us to listen to, and work with our clients, farmers, industry associations and government. We value your feedback and as this redevelopment process continues, we look forward to working closely with you to ensure your feedback is captured.

If you would like to be part of this Working Group, please email us at

What this means for you as a current Winter Crop policy holder

As an existing Winter Crop policy holder, you will continue to receive policy administration and claims support for the remaining period of your policy, which is due to expire on 30 June 2019.

We’re here for you if you have any questions

We would like to ensure a smooth transition through this change, and we are here to assist you if you have any questions. You can speak directly with your Risk Specialist or email us at

With an increased regional representation, we are rapidly expanding in Australia and more farmers are switching to Achmea.

If you would like your local Risk Specialist to review your farm insurance with you, simply complete this form or call us at 1800 724 214.

Thank you for your support, we look forward to continuing our partnership as we redevelop our crop insurance product.

How to keep costs down whilst protecting your cotton business

Richard Officer with cotton grower Daniel KahlKeeping an eye on cost and checking key expenses from time to time, including farm insurance when an opportunity arises, is “a critical part of running a farming business”, according to Wee Waa cotton grower and 2017 Nuffield Scholar Daniel Kahl.

Mr Kahl said for insurance to be cost-effective it’s important your policy is flexible, remains relevant and provides the right level of cover for the things that you don’t have an appetite for covering yourself.

“We all have to deal with insurance to conduct our businesses, whoever you are insured with,” he said.

With more than 200 years of international expertise as a specialist farm insurer, Achmea’s Risk Specialists partner directly with farmers across Australia to assess and mitigate on-farm risks. Our All-in-One Farm Pack can be tailored to each farm, which means farmers have greater control over their insurance premiums.

Local knowledge is key
“As part of establishing our policy, Achmea Australia’s Risk Specialist Richard Officer spent time to travel around the farm to conduct a Risk Review and the results of that allowed us to make an informed decision about what needed to be covered and at what level.”

“Having someone based locally with that familiarity with what we do, the equipment we use and the infrastructure we have in place certainly makes it easier than it might be using an online insurance option.”


With that knowledge, it’s been easier to add certain items such as new gear to our policy or adjust the level of cover as things happen within our business,

Mr Kahl said.

Achmea’s partnership with the cotton industry
The cotton industry prides itself on being the most progressive, responsive and inclusive industry in the country according to Mr Officer, who is Achmea’s Risk Specialist in Moree.

“When it comes to risk awareness and management skills, the cotton industry is a leader in its field of which initiatives such as the MyBMP program are a testament,” Mr Officer said.

“Achmea’s unique value proposition dovetails with these types of practices and offers the cotton industry a partner that works with individual growers to cover the perils that could have detrimental effects on business continuity.”

Adequate cover is key to keep you farming

Recently, discussions with farmers have mostly revolved around 3 main aspects; the cost of insurance, safety and liability according to Mr Officer.

“The same cover that a farmer had five or ten years ago is probably not the right one today,” Mr Officer said.

“Put simply, every dollar counts and having adequate cover is key to keeping farmers farming,” he said.

“When farmers are feeling the pinch, some are suggesting reducing the Sum Insured on their current policy to get their premiums down but what is not necessarily considered is the exposure to underinsurance in the event of a claim.”

“That is why, as Risk Specialists, we travel to the farmer to understand the business and the specific risks associated with that farm instead of applying a one-size-fits-all-approach.”

“It also allows us to work with the mitigation strategies already employed and recognise farmers for their sound risk management practices.”

Keeping costs down while ensuring you’re still covered
Growers are reminded that adequate and relevant insurance should be factored into future decision making when renewing their insurance.


The insurance solutions provided by Achmea have provided us with the flexibility to be more selective about what level of cover and excess we apply to different parts of our business. It’s about keeping costs down while making sure you’re still covered, Mr Kahl said.