Achmea Farm Insurance- Protect your Machinery

Fires during harvest can be costly, and often preventable. Here’s how to reduce your risk and keep your farm safe, according to Peter Nicholas, one of our Senior Farm Insurance Specialists based in Echuca, Victoria. 

Drawing on decades of experience supporting farming communities, Peter is passionate about risk mitigation and supporting the business continuity of farmers.  

Harvest seasons vary across Australia. No matter your location, aligning fire safety planning with your region’s busy season can help to protect your yield, your property, and your community,” Peter says. 

Clean your machinery regularly

Dust, crop residues, and grease can catch fire easily – especially near heat sources, such as hot engines or exhaust systems 

Focus on cleaning your machinery regularly, especially:

  • Exhaust systems 
  • Engine bays 
  • Bearings and belts

Monitor fire danger ratings

Before starting any operations, check your region’s fire danger ratings. Complying with applicable local laws and regulations is one of the key steps you can take to help ensure your insurance policy responds when you need it most. Failure to do so may result in claims being declined, potentially exposing you to financial risk. 

During high-risk days or Total Fire Ban days:

  • Avoid machinery use during the hottest part of the day, especially if it is windy.  
  • Complete your harvesting activities early in the morning or later in the evening when it’s cooler. 

Fit fire extinguishers to machinery

All harvest equipment should be equipped with accessible, well-maintained fire extinguishers. Ideally:

  • Use a minimum of one 9-litre water extinguisher or a dry chemical powder extinguisher per machine. 
  • Train all workers in using these extinguishers in an emergency.

Create fire breaks

Clear areas around paddocks, sheds, and storage sites to minimise the risk of a fire spreading. This can be achieved by:

  • Using mechanical graders or tillage equipment to create firebreaks. 
  • Maintaining grass and vegetation at manageable levels.

Keep water on hand

If possible, have water ready to go on-site. Station a well-equipped firefighting unit or water cart nearby, particularly when working with high-risk machinery like headers and harvesters.

Inspect Machinery Thoroughly

Before each day’s work, undertake an inspection of your machinery. Look for:

  • Faulty wiring 
  • Heat build-up 
  • Damaged or worn parts 

Address potential risks immediately to avoid sparks, overheating or accidental ignition. 

Taking these steps can protect your crops, your gear, and your community – and help keep farmers farming,” says Peter. 

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Insurance issued by Achmea Schadeverzekeringen N.V. (Achmea) ABN 86 158 237 702 AFSL 433984. The information in this document is general advice only and does not take into account your individual objectives, financial situation or needs (your personal circumstances). This means any advice may not be appropriate for your circumstances. Before using this information to decide whether to purchase the insurance policy, you will need to consider the appropriateness of any general information or advice we give you and how it relates to your specific situation to ensure the insurance cover meets your needs and the relevant Product Disclosure Statement and Target Market Determination (TMD) available from the ‘Downloads’ section of our website achmea.com.au/important-documents. For feedback and complaints, visit achmea.com.au/complaints. To view Achmea Australia’s privacy statement, visit achmea.com.au/privacy. Achmea Australia does not warrant that the information contained herein is accurate, reliable, complete or up to date, and, to the fullest extent permitted by law, disclaims all liability of Achmea Australia and its Associates for any loss or damage suffered by any person by reason of the use by that person of, or their reliance on, any information contained in this document or any error or defect in on this document, whether arising from the negligence of Achmea Australia or its Associates or otherwise.