WebInsure Farm Insurance Packages

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WebInsure Farm Insurance Packages

WebInsure based on the Sunshine Coast of Queensland have released a new packaged cover for Farm Insurance – the product uses several different insurers –

Farm Insurance has suffered with the recent withdrawal of several companies from the farm insurance market and rural insurance prices have steadily increased as a result – The effect of floods and Cyclones has not helped insurers bottom lines and this has again forced prices upwards –

The farm insurance covers available extend from Homesteads to sheds and all manner of farm buildings –

The farm insurance packages have all the features needed to protect your farming assets. Up to 12 different farm insurance covers are combined under farmer insurance packages and these can be;

  • Homestead and Contents Insurance
  • Farm Property Insurance
  • Motor Vehicle Insurance
  • Farm Machinery Insurance
  • Working Dogs Insurance
  • Transit Insurance Stock Insurance
  • Public and Products Liability Insurance
  • Fences and Haysheds Insurance
  • Boat Insurance
  • Sickness and Accident Insurance
  • Machinery Breakdown Insurance

Specialist covers for machinery breakdown and business interruption caused by these failures are also able to be added and each policy is tailor made to the individual farm operation –

The process steps through stages to ensure the coverage is complete however in some respects the farm business man may opt not to cover all risks as some may be extremely unlikely in a particular location –

What types of Farms can be covered ?

At this stage we haven’t found a farm that can’t be insured but typical farms are;

  • Broadacre
  • Cotton
  • Vineyards
  • Diary Farm
  • Poultry
  • Sheep
  • Hobby Farms
  • Goat Farms
  • Stud Farms
  • Aquaculture
  • Vegetable Growers
  • Orchards
  • Small Crops
  • Timber Plantations

With this range of protection of farm insurance available, working with you, we are able to personally tailor what we both consider your needs.
We can also offer special farm insurance liability covers for leisure and hobby farms (definition varies) of less than 20 hectares (50 acres) that generate small income.

To enquire online –

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Cotton Insurance

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Our Cotton Insurance covers for 2011 are set with a range of providers – there is much movement in the market and 2011/2012 looks like a year of consolidation in the market for Cotton Insurance – With the 2011 floods and the poor performance of international equity markets many Cotton Insurance operators are looking at changes to their current position on the market – this can only cause price uncertainty and of course opportunity – We look forward to the season with the usual amounts of excitement –

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When seeking flood insurance beware of the traps

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When seeking flood insurance beware of the traps Ensure the house is covered for replacement cost – with the rising cost of building many people are finding that the replacement cost of a home may exceed the market value of the property. In times of a disaster, this replacement cost could be even higher due to shortages of labour & materials.Don’t forget to allow for architect fees and removal of debris costs after a disaster. Typical costs for removal of debris from an average burnt out home can reach $25,000.

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Business Insurance

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Business Insurance

Business Insurance packages are tailored to your industry, business scale and scope. We understand that no two business insurance are the same and that they all don’t fit with the one insurer. Many times we need to tailor the cover by mixing policies from different business insurers to achieve the optimum cover for you in both price and features. In the business insurance package section we can offer you:

  • Public liability Insurance
  • Insurance for Accidental damage or defined events like Fire, storm, or malicious damage to your buildings and stock in trade
  • Glass breakage Insurance
  • After a major claim we also can back you up with loss of profits or consequential loss insurance
  • We offer business insurance cover for specified items like mobile phones and laptops or employees tools and personal items
  • Personal accident and illness or Income Protection
  • Life cover
  • Keyman Insurance
  • Business Partnership insurance

We also offer the convenience of pay-by-the-month insurance, to help with your cash flow. With a range of premium funding companies, we can also arrange payment for Work Cover and other statutory payments such as Liquor Licences.

Can my business be covered?

Most business can have an indicative insurance quotation within 48 hours however we may need to obtain quotations from several insurance sources and this may delay the process. Occasionally due to the high risk nature of a business insurance – explosives manufacturers, vehicle importers – we need to apply to overseas insurers as the covers may not be readily available inside of Australia, in this case the lead time to obtain quotes can be as long as 30 days.

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Strata Insurance

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Strata Insurance is something that surprises the new Strata Title owner

– We are please to be offered a new provider in the strata Insurance market offering up to $50,000,000 sum insured on the main buildings – This now gives us a range of 7 strata insurance companies –

One of the traps with strata insurance is when Body Corporate’s decide not to take all options under a strata insurance plan – while the savings may seem major they will pale into insignificance when a potential loss occurs and is not covered..

Typical Covers required...

Common Title eg Buildings Pools Carparks
Public Liability Insurance
Workers Compensation (Only some States)
Voluntary Workers insurance
Office Bearers insurance
Fidelity Guarantee Insurance
Contents insurance

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Fire Services Levy Victoria -

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The Victorian Fire Services Levy has now increased to 85% – This is a charge on Victorian Insurance to help the government pay for the cost of Fire Services – An outcome of the recent Royal Commission into the bush-fires was to delete the existing levy as it was felt that it meant many were uninsured owing to the high costs in Australia –

One of the countries prominent Loss Adjuster Allan Manning has stated in his NO TAX ON INSURANCE WebSite that the changes are detrimental to adequate risk management

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