Stud Stock Insurance

Peace of mind with Achmea’s stud stock insurance. With competitive rates, insure your stud bulls and rams with Achmea from the fall of the hammer

Our stud stock insurance provides maximum flexibility for you. You can choose to insure your bulls for 3, 6 or 12 months and we offer three levels of cover so you can tailor our cover to suit your needs.

Download our bull stud stock rate sheet and insure your bulls with Achmea.

With a competitive rate of 10%, our 3-star 12-month stud stuck insurance cover for bulls is designed to give you peace of mind from the moment the hammer falls.

For stud rams, Achmea also offers competitive stud stock insurance rate starting from 7% for a 12-month 1-star cover.

Download our ram rate sheet now and insure your rams with Achmea.


Peace of mind with Achmea’s Stud Stock insurance cover Ram Stud Stock Insurance Cover
A critical part of risk management is adequate stud stock insurance insurance to cover loss of use, which can come from accidental causes, sickness, disease, mortality or transporting the bulls or rams home from the sale.

With Achmea’s Stud Stock insurance cover, you decide what you need, when you need it and how you need it.

Committed to giving you greater control over your insurance needs, for each option below you determine whether you need 12, 6- or 3-months coverage:

  • 1 Star – Mortality only (including transit).
  • 2 Star – Mortality including accidental loss of use.
  • 3 Star – Mortality including accidental loss of use, sickness and disease.

To finalise your cover, all you need to do is download and fill out the rate sheets, and email your scanned copy to

“We are a direct insurer, which means farmers can partner directly us which is why we are in a position to offer competitive stud stock insurance rates,” Achmea CEO Emma Thomas said.

“As an insurer established by farmers for farmers, Achmea knows that every dollar counts. Having adequate insurance cover, including for valuable livestock, is key to keeping farmers farming.”

“Achmea’s 2019 and 2018 finalist nomination by ANZIIF as Direct General Insurer of the Year demonstrates our growing reputation in the market for service excellence,” Mrs Thomas said.

“The ability to act in our clients’ best interests has been key to our rapid growth in Australia.”

Insure your stud bulls, download our stud bull rate card here and our ram rate card here.

Peace of mind from the moment the hammer falls

From humble beginnings in the Netherlands more than 200 years ago to Australia’s specialist farm insurer: Achmea’s Risk Specialist based in Armidale, Allan Cowan, describes how Achmea’s stud stock insurance cover can help protect your stud bulls from the moment the hammer falls.Stud Stock Insurance cover

With more than 200 years of international expertise and a growing network of regional Risk Specialists across the country, Achmea partners directly farmers to provide farm insurance.

Raised on a dairy farm near Taree and equipped with nearly 30 years of experience in agriculture, I’m passionate about the industry. Based in Armidale, I’m committed to protecting livelihoods through adequate insurance. Insurance can seem complex which is why, as Achmea’s Risk Specialist, I partner directly with farmers to talk about their business and their risks, and discuss their unique insurance needs.

Along with tailored farm insurance, Achmea offers stud stock insurance, designed to protect your stud bulls from the moment the hammer falls.

Our offering includes our comprehensive stud stock coverage with flexible options to manage the risks for stud stock including accidental loss of use, sickness and disease loss of use as well as mortality and transit cover.

When every dollar counts, having adequate insurance is key

For many Australian agribusinesses in Australia, recent years are being remembered as some of the toughest years on the land. When every dollar counts, having adequate insurance cover, including livestock, is key to keeping farmers farming.

If a farmer’s cover has not been updated for several years, it most likely will not reflect the accurate value of a large portion of their most important assets. The same cover a farmer had five or even two years ago may not be the right one today, which means they may be under-insured or exposed to unnecessary risk.

I’m out on farms across the New England region most days to help farmers review their risks as well as insurance levels. Reducing risks is key to building resilience and mitigating risks can help keep premiums and unexpected repair bills down.

Why Achmea doesn’t adopt a one-size-fits-all approach

Each farm requires its own approach based on their current local context and individual commercial situation, it simply is not a one-size-fits all approach when it comes to farm insurance. Our local agricultural knowledge and personal service gives farmers peace of mind that they are adequately protected from unexpected loss.

Through our local Risk Specialists, farmers tap into a wealth of local knowledge, and our familiarity with the equipment farmers use and the infrastructure they have in place certainly makes it easier for farmers to update their insurance.

With our direct approach, farmers who come on board with Achmea find it easy to add certain items such as new equipment or livestock to their policy or adjust the level of cover as things happen within their business.

Having face-to-face conversations about which assets are most valuable to farmers and how to best protect them means farmers don’t rely on guess work to make decisions that could have a material effect on their livelihoods.

Farmers can’t afford to under-insure their farm business

Recently, discussions I have had with farmers have mostly revolved around three main aspects: the cost of insurance, safety and liability.

Particularly during the current drought, what I hear is that cost savings are top of mind. Many are reconsidering areas of expenditure, including insurance to achieve some financial relief. To lower premiums, it’s not uncommon for farmers to consider reducing their Sums Insured. However, this is one of the biggest risks a farmer could take.

While some short-term cost savings are achieved, farmers can be left under-insured and financially exposed, with damages often much greater than what they could bear alone. There are other ways to lower premiums, including undertaking an on-farm review of your insurance and looking at the excesses. Through providing a higher excess, we not only offer lower premiums, but we can also avoid the risk of under-insurance.

This results in greater resilience and security, so that livelihoods are safeguarded, whilst relieving some of that immediate financial pressure through our lower premiums and unique higher excess model.

Achmea’s tailored farm insurance covers a wide range of areas to give farmers peace of mind and build resilience and disaster preparedness in rural and regional communities.

Achmea is a proud partner of Angus Australia.