We are optimists – We believe in the future of Australian food and agriculture. We are optimistic about drought resilience research activities and innovation hubs to boost resilience in Australian landscape. We are optimists and we believe there is a way.  And we want to be part of the journey supporting clients with the latest tools in risk management advice and insurance products.

We have experience – We are a home-grown Australian insurance intermediary business. We have deep connections with primary insurers in the insurance landscape developed over 20 years of practice.

We understand agriculture – We have people in our group that have deep domain experience in agricultural underwriting, pricing, products and importantly in insurance broking. Within our group we have people that have worked with global reinsurance companies, started agricultural mutual funds, agricultural underwriting agencies, who have held delegated claims and underwriting authority. What this means for you is that we can bring deep experience in this sector to you when we work with you. We’re not perfect  – but we’re not far away.

What we do – we build continuous sustainable operations that allow us to align strategically with clients that embrace us as valuable partners and trusted advisors with high confidence, for their sustained future. And we have strong focus on our own internal business culture – one that builds a business in which we lead from the front. Where our staff are motivated, seek to engage, develop and grow whilst forming sincere and enduring relationships with stakeholders across the insurance value chain, from underwriters to insured customers.

In the final analysis, we provide increased security and risk confidence to help our customers sleep easy.

Our focus – is the future of risk in food and agriculture. Our mission to revolutionise the future of risk management through trust and technology, with absolute intent on delivering client-centred insurance recommendations. We seek to provide our clients with the best solutions today for a better tomorrow.

Our goal – is a sustainable, prosperous and digitally enabled insurance services and risk mitigation advice, in support of a vastly improved underwriting future for the food & agricultural sector. We dream of a cleaner, digitally enabled sector with a food-focussed insurance proposition backed by like-minded insurers who to wish to conduct insurance business in food and agriculture.

So-called ‘Blue’ solutions as an apt example, where:

• Seaweed can add 10% to the world’s present supply of food using just 0.03% of the oceans’ surface.
• Seaweed and microscopic algae is responsible for 50% of photosynthesis on Earth.

And by 2050, seaweed production could absorb 135m tons of CO2 a year and 30% of all nitrogen entering the oceans from land-based pollution.

We aim to be part of exciting solutions of the future as a provider of industry-specific risk advice and insurance solutions using the large number of global insurers with whom we have relationships and with whom we deal, in our chosen markets.

AgriFutures Australia is one of 15 Research and Development Corporations (RDCs) that service the Research, Development and Extension (RD&E) needs of Australian rural industries. They represent the research needs for 13 thriving rural industries (chicken meat, rice, honey bee and pollination, ginger, tea tree oil, pasture seeds, export fodder, thoroughbred horses, kangaroo, buffalo, deer, goat fibre and ratite), delivering research and innovation that aims to give our farmers and producers real returns, as well as prepare them to thrive into the future.

The RDCs are funded primarily by statutory R&D levies (or charges) on various commodities, with matching funding from the Australian Government. To expand Australia’s rural R&D efforts, the government matches expenditure on eligible R&D, generally up to 0.5% of the determined industry gross value of production. RDCs are accountable to both industry and government.

The food, farm and fibre industry is a pillar of the Australian economy. More than $2 billion invested into research and development (R&D) activities annually. That investment is paying dividends. As at 2023 ABARES (Australian Bureau of Agricultural and Resource Economics and Sciences) estimated that every $1 of R&D investment generates over $7 in gross value added for farmers. Innovation in the Ag space is booming. Australia’s agricultural sector is dreaming big when it comes to the future of farming with exciting research projects making that dream a reality. Examples include ‘next generation wool harvesting, clever cotton, optimised pollination efficiency by expanding the roster of available berry pollinators, Honeybee AI, accelerating heifer genomics. R&D is fundamental to the delivery of these new technologies, and has a promising future with investment from the public and private sector increasing at a steadily rate over the past 10-years. 

Co-operatives, in particular, play a significant role in the Australian agricultural and food landscape by pooling resources, collaborating and adding value to their produce by researching and establishing processing facilities for raw product. Some of our people have experience in setting up mutual funds for primary producers in Australia, and have deep underwriting, claims and insurance portfolio management experience. What this means for you is that we have depth when we engage with customers in relation to risk and insurance requirements in this sector.

So how can we help. Our food and agribusiness division has experience in Association liability insurance and agricultural cooperatives. We provide industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector (including establishing discretionary mutual funds for farmers) who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions.

We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

As an insurance intermediary with an agricultural and farming heritage within our food and agribusiness practice, we seek to work with enterprises generating ideas, delivering insight, and making the connections that help them capitalize on technological change and shape a cleaner, more competitive future.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us and we have a large and growing practice in this area. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

The AgXelerate Program consists of two cohorts, addressing different Technology Readiness Levels (TRL). As they graduate from the program, develop and commercialise their cutting-edge technologies, they could unwittingly face third party claim exposures and claims – ranging from misrepresentation & contractual breaches. They could be exposed to professional indemnity, directors & officers’ liability, and information technology liability claims for wrongful acts in their pursuit of funding opportunities  – as well public liability claims. We can provide expert insurance advice to identify and place appropriate insurance to suit each setting.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Why is soil carbon so important.

It all starts with photosynthesis according to CSIRO. Carbon is captured from the atmosphere by plants, which convert carbon dioxide into plant material. When plants die, or components senesce, carbon is added to the soil and although much goes back to the atmosphere the size of the soil carbon pool may be increased.

Soil organic carbon (SOC) is an important indicator of soil quality and agronomic sustainability. It influences the physical, chemical and biological properties of soil quality, leading to effects on nutrient and waste cycling, water holding capacity, and biodiversity. Building and maintaining organic matter helps ensure healthy and productive soil systems and has the added bonus of removing carbon dioxide from the atmosphere, storing it in the soil and reducing greenhouse gas emissions.

We have an interest in supporting farmers and agricultural producers who are already participating in the Australian in carbon markets or wish to do so. We have an interest in contributing towards diversifying agricultural participation in carbon markets and minimising barriers that prevent these opportunities from being realised. Over the past 30 years, carbon markets have emerged in multiple countries, offering agricultural producers with new opportunities to grow and diversify their businesses.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. We strive to provide insurance advice to customers in carbon markets that can provide a safe harbour for insurable risks in our chosen markets. And importantly, we can provide expert support if you have a claim.

Agri-Associations – professional associations, member-based organisations, agricultural shows, and more. Peak professional organisation (not-for-profit or otherwise) for people involved in the use and development of food and agriculture in Australia & New Zealand. Association Liability Insurance has several cover sections. The professional indemnity section offers cover for claims alleging a breach of duty in the conduct of the association’s services. The other sections cover a range of operational risks including allegations of mismanagement (officers’ liability or directors & officers’ liability), employment-related claims, crime losses, tax audit and more.

Most policy sections provide cover for legal costs and compensation due to allegations that you’ve caused someone else loss. Some policy sections compensate you for losses you suffer.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have existing agricultural association clients and we have association liability experience. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

The large of policies that might be required is large and can include association liability insurance and public liability. Public liability covers injury or property damage to patrons arising out of the conduct of the show which is normally at the show ground premises.

Association Liability Insurance has several cover sections. The professional indemnity section offers cover for claims alleging a breach of duty in the conduct of the association’s services. The other sections cover a range of operational risks including allegations of mismanagement (officers’ liability or directors & officers’ liability), employment-related claims, crime losses, tax audit and more. Most policy sections provide cover for legal costs and compensation due to allegations that you’ve caused someone else loss. Some policy sections compensate you for losses you suffer.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity is second nature to use and we have association liability wording experience. We have staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

• Types of research integrity breaches that may constitute research misconduct include:
• Fabrication – Making up data, source material, methodologies or findings, including graphs and images.
• Falsification- Manipulating, changing or omitting data without acknowledgement. This includes changes to source material, methodologies, findings, graphs or images. Changes and omissions lead to inaccurate findings or conclusions.
• Destruction of research records – Destroying one’s own or another’s research data or records to avoid the detection of wrongdoing. Or a destruction that contravenes the applicable agreement, policy, law, regulation or standard.
• Plagiarism – Presenting and using another’s work as one’s own, without appropriate referencing. Or without gaining permission, when permission is required. Another’s work includes the following, and can be either published or unpublished:
  • theories
  • concepts
  • data
  • source material
  • methodologies
  • findings
  • graphs
• Redundant publications – Republishing one’s own published work or data, without acknowledging the source or justification. This republication could be in the same or another language.
• Invalid authorship – Listing an author who has not contributed sufficiently to take responsibility for intellectual content. Or agreeing to be listed as an author, when there was little or no material contribution.
• Inadequate acknowledgement – Failure to appropriately recognise the contributions of others. Recognition must be consistent with their respective contributions. And with the authorship policies of relevant publications.
• Mismanagement of conflict of interest – Failure to manage any real, potential or perceived conflict of interest. These should be managed using the University’s policy on conflict of interest in research.
• Misrepresentation in a research proposal – Providing incomplete, inaccurate or false information in a grant or award application. It includes misrepresentation in related documents, such as a letter of support or a progress report.
• Mismanagement of research funds – claims alleging a breach of professional duty in the provision of competent advice and/or provision of professional services for a fee.

Virtual fencing – eShepherd™ is a solar powered, GPS enabled, livestock neckband that enables you to remotely track, manage, fence and move your livestock around your farm using virtual boundaries or fences. Simply draw your virtual fence anywhere on your property and your cattle learn to move with and remain within the virtual barrier.

Commercial pain relief innovation for sheep – With supporting research from SCIRO, pain relief options for lambs undergoing castration and/or tail docking are now available to producers in Australia and New Zealand. Working Numnuts®, 4C Design, Meat & Livestock Australia and Australian Wool Innovation they are testing and validating a targeted local anaesthetic delivery system for farmers to use when tail docking and castrating their lambs.

So how can we help researchers.

We have existing clients in the agricultural innovation, investment and AgriTech space. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. Professional indemnity insurance is second nature to us. As research moves through to its start-up phase, to commercialisation and capital raising stages, we can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

We see opportunities in the food supply chains of the future. We seek clients who participate in research with a common vision of a kinder, better future. Smart production of livestock genetics, helping cattle combat microbes, with ‘more genetics’ and ‘less antibiotics’ to improve the health of our animals and people.

As research moves through to its start-up phase, to commercialisation and capital raising stages, we can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help.

We want to work with you to ensure that insurable exposures are sterilised with appropriate professional indemnity insurance, or information technology liability insurance, and other exposures are minimized through enterprise risk management plans. Research misconduct does not include honest errors or differences in academic judgement. We see our future as risk advisers, with insurance advice playing a supportive role. We have already started this journey.

Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Fully electrically and digitally controlled, our systems are safer for operators and the environment. Application is kept on-target, and actionable reporting helps you refine pesticide and chemical use. So how can we help. We understand the farm pack market in Australia. We have expert staff who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. We strive to provide insurance advice to customers in autonomous agriculture and digital information technology providers, that could provide a safe harbour for insurable risks, in our chosen markets. And importantly, we can provide expert support if you have a claim.

Agricultural autonomation in a changing farm input supplier landscape

In a future where crop protection companies sell risk reduction services, with a shift in focus from product volumes to certainty and quality of outcomes, there would be incentives to use the most optimal, rather than the maximum, amount of chemicals to create the desired result. Our general insurance clients of the future will be farmers adopting agricultural automation which could likely re-shape the crop protection industry.  Autonomy is achieved by building upon proven, existing technologies — such as autopilots, precision navigation, flight management systems, and more. Ultimately, this means that the aircraft can aviate, navigate and communicate on its own. Autonomy is not artificial intelligence or machine learning. Instead, it means off-loading routine responsibilities that are traditionally held by human pilots to an autonomous system so that ground operators are free to make fewer, higher-level decisions.

There has been a noticeable shift in the so-called ‘autonomous ag’ space. Autonomous tools are in fields earning their keep all over the world today, and investing in the tech is starting to meaningfully pencil out for producers. In many cases, we’ve moved beyond research concepts and a handful of token pilots.
This includes drone technology equipment that is fully programmable, provides repeatable coverage, is simple to operate, no manual control required, remote control accuracy, intelligent auto-protect return-to-home functionality. Service providers is the new phase of the food production landscape believe every farmer should have the ability to perform their own full-field aerial application. Repeatable and transparent programmable coverage, cost-competitive with existing solutions and simple to operate.

eVTOL

The adoption of electric vertical take-off and landing (eVTOL) aircraft is rapidly expanding segment. We anticipate early adoption Australia as a younger age-profile enters a sector being recognised by Government as a growth pillar of the economy.

An eVTOL aircraft is a simply a variation of vertical take-off and landing (VTOL) aircraft using electric power to hover, take off, and land vertically.

In a future world of aviation we think that electric and hybrid propulsion systems (EHPS) have also the potential of lowering the operating costs of aircraft and can play a significant role in a smart food production future.
So how can we help. We understand the farm pack market in Australia. We have expert staff who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

This technology came about thanks to major advances in electric propulsion (motors, batteries, fuel cells, electronic controllers) and the emerging need for new aerial vehicles for urban air mobility that can enable greener and quieter flights. Electric and hybrid propulsion systems (EHPS) have also the potential of lowering the operating costs of aircraft.

Original eVTOL aircraft designs are being developed by original equipment manufacturers (OEMs) that include legacy manufacturers such as Airbus, Boeing, Embraer, Honda, Hyundai, and Toyota, as well as several start-up companies including Archer Aviation, EHang, Joby Aviation, Overair, and Volocopter. Future ag

Sustainable Food & Bio-Innovation – the pursuit of wholesome farm & food sector pursuits

Our food & agriculture business insurance practice includes seeking out high-tech, high-value new market segments in the agri-food segment of the Australian economy.

Seaweed farms also provide habitat for marine life which is important for protecting and enhancing the value of our marine ecosystems and fisheries resources. There are high value end-uses for food, cosmetics, animal feed and other bio products from oceans around us. Seaweed has been eaten for centuries in many countries as it is a highly nutritious food source that is good for gut health. Seaweed is recognised as a superfood and researchers around the world are now looking at seaweed’s potential medical applications.

We are focussed on the future. We see opportunities everywhere in food, agriculture and sustainability. Naturally occurring food is king. Native foods used by indigenous people is the gold of the future. Seaweed has been all around us for centuries. Now it is being used to make innovative bio fabrics and bioplastics that can replace plastic and reduce ocean pollution. This is what drives our excitement for a different future. We seek customers in this space, clients involved in using certain types of seaweeds that can be added to animal feed which have been shown to significantly reduce methane emissions when fed to cattle. Legacy systems merging with a new future.

So how can we help. We understand the insurance market in Australia. We have expert staff who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Businesses in the animal feed & nutrition sector seeking complete feed rations, mineral concentrates, nutritional blocks, or supplements. Their teams provide phone and on-farm nutritional advice and product support. They have technical teams dedicated to the Australian animal nutrition industry. They are also major buyers of materials such as protein meals, by-products, premixes, phosphates, amino acids, and macro- and microminerals.

Products are purchased in accordance with Grain Trade Australia (GTA) standards with prices of often available on a daily basis for their customers suppliers. Feed is produced for monogastric commercial feeds for pigs and poultry, and ruminant commercial feeds. They support the beef, dairy, dogs, aquaculture, horse, hobby farms, pigs, poultry, sheep and the commercial aquaculture industry sectors from prawns to barramundi.

They manufacturer products that go into the human food chain and aim to ensure that the highest standard is met to meet this responsibility. Many of these manufacturers neither support or oppose the use of Genetically Modified Organisms (GMO) in Australian or Global Agriculture and work with our customers to manage their individual GMO expectations, while not disadvantaging their remaining customer base.

So how can we help. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

We have relationships with fish farm underwriters providing Aquaculture Stock Mortality (Named Perils) provides cover for (i) Stock and (ii) Marine Equipment. This provides cover for:

a) Loss of Stock – Loss of Stock by death, escape, theft or vandalism by one or more of the following named perils:

• Pollution, Malicious acts (including malicious acts of environmental or animal rights groups), Theft, Predation, Flood, Storm, Drought, Fire, lightning, explosion, Earthquake, tsunami, volcano
• Losses directly or indirectly attributable to freezing, frost damage, low or high water temperatures;
• Mechanical or electrical breakdown or accidental damage to machinery and other installations as used on farms, failure or interruption of the electricity supply, electrocution;
• Algal Bloom, Jellyfish Bloom;
• Any other change in concentration of the normal chemical constituents of the water, including but not limited to supersaturation with dissolved gases, change in pH or salinity and suspended solids but excluding losses directly or indirectly attributable to Algal Bloom or Jellyfish Bloom;
• Disease.

b) Marine equipment – Cover is provided for Marine equipment as listed on the policy schedule for named perils.
c) Mitigation expenses – Indemnify is provided in respect of reasonable expenses over and above normal additional operational costs expenses incurred by the Insured solely and specifically in order to minimise a loss which is occurring, or to avert the risk of an imminent loss, for which loss coverage is or would be available to the Insured.

So how can we help.

We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We aim to strike a balance between technological innovation and personal engagement. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. We have existing clients in the AgriTech space. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. Professional indemnity insurance is second nature to us. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity is second nature to use. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Broadacre farmers are increasingly having to modernise and invest in very expensive machinery, plant and equipment technology that require correct vehicle insurance to protect their investment.

Broadacre farming is a term you hear primarily in Australia, generally referring to a farming operation with livestock or crops that are more suitable to large scale production. It could involve producing oilseeds or grains such as barley, wheat, sorghum, peas, hemp, maize, sunflower or safflower. Using grazing livestock for either wool or meat are other common investments. Field crops grown in Australia include:

• winter cereals (wheat and barley)
• summer cereals (sorghum and maize)
• winter pulses (chickpea and faba bean)
• summer pulses (soybean and mungbean)
• cotton
• peanuts
• sunflower
• canola
• specialty crops (triticale, navy beans, lentils, rice, field peas, hemp etc).
• sugar cane

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions.

We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings.

Like any other carbon credit, an individual or business donates funds to a blue carbon credit program, and the amount they donate helps offset a certain amount of carbon emissions they produce. These carbon credits come in all sizes, ranging from:

• enough to offset a flight, to
• enough to offset remaining corporate emissions, after making all the carbon emission reductions a business could.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

At Omnisure we value natural capital in the natural world around us. In our food and agribusiness practice we love engaging with enterprises who provide ecosystem services and bio-products. We seek out customers who embrace a sustainable business model. We want to partner with them help them and help us create similar a general insurance broking practice, working towards an aligned insurance risk-advice business of the future.
It is not only Australia seeking increased resilience in the food chain. The whole world is suffering from catastrophic weather events impacting global economies.

Carbon verification is when a third-party verification organization inspects a carbon offset program and ensures it meets its standards. If the program meets the standards, the carbon offset credits are verified, making them safe for consumers to purchase and offset their own carbon footprint. There is a growing number of consultancy firms in Australia who can help farmers, and notably graziers, achieve their carbon farming potential, provide concise insights from expert panels to deepen farmers’ understanding of how dry times impact soil carbon projects (including graziers on large rangeland properties), water management, sustainable agriculture, advising on property transition and farm nutrient management. As they provide consulting services to measure, report and verify (MRV) for emissions and mitigation in livestock and agroforestry, they taken professional indemnity exposures. We can provide expert insurance broking service & advice in relation to professional indemnity insurance contracts.

Carbon consulting firms can support graziers with all registration, reporting and audit submissions including mapping, baselining and sampling management, emissions and abatement estimates, Land Management Strategy creation, and fees involved in their carbon project. We keep you informed of the newest opportunities, such as nature and methane credits, with continued specialist support. Others will help guide clients understand whether their property is eligible for a carbon farming project.  

Our food and agricultural insurance practice anticipates growth of specialist consulting enterprises in the future pursuing actionable sustainability solutions for clients, with flexible and convenient offset packages that support verified initiatives that restore the planet’s carbon balance.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Green-e certification for landfill gas capture

There will be a growing number of firms specialising in Green-e certification type services, such as that offered by Terrapass. We see a future where dairy farms in Australia adopting aerobic digesters at their facilities to capture GHGs being released into the atmosphere that become eligible for Green e-certification as well as provide renewable electricity for the farm off the grid. Green-e Energy Certified renewable energy credit (REC) are also sometimes referred to as a renewable energy certified or green tag – is created for each megawatt hour (1 MWh, or 1000 kilowatt-hours) of renewable electricity generated and delivered to the power grid.
An example is Grotegut Dairy Farm is a family run dairy operation in Newton, Wisconsin in the USA. Grotegut voluntarily installed an aerobic digester at their Newton facility in 2009. The Project activity reduces the GHGs that were being released into the atmosphere prior to the project activity, as well as provides renewable electricity for the farm and the grid. We anticipate further innovation will follow in Australia, a country that has proven to be early an adopter of new technology.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

We wish to work with carbon project developers providing expert insurance advice to them in relation to their professional indemnity exposures in the advice they provide and the professional services they offer as they play their role in increasing and diversifying agricultural participation in carbon markets.

So how can we help.

Landowners (and farmers in particular) are realising the importance of their natural assets such as their soil and the land. They are interested in actively managing their land to reduce emissions or increase carbon storage. They want to start managing their carbon but are unsure of where to start or who to trust for information. Carbon program designers in Australia play a big role in developing the carbon markets for all participants.

In our food and agribusiness division we strive keep abreast of the Carbon Market landscape from an insurance standpoint. We do this to be relevant to our food and agribusiness clients from an insurance standpoint. We are neither carbon market consultants nor environmental lawyers. But we can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Carbon markets span from emitters with emission permits (allowances) on one side, to carbon credits (offsets) on the other. As a general insurance intermediary in the food and agricultural landscape, our main interest is in deepening the ‘offset’ side of the market that involves carbon sequestration in agriculture, recognising that agriculture has dominated the government’s Emissions Reductions Fund (ERF) by a substantial margin.

According to the CSIRO, by 2050 the carbon market could provide an income of about $40 billion to the land sector. The really exciting aspect of the future is exploring how this projected growth of carbon farming supports the growth of Australian agriculture, instead of replacing it. This would see more money come back through the farm gate to invest in land management, infrastructure upgrades and business sustainability.

Our expertise – We have expertise in our general insurance practice that spans from agricultural underwriting and insurance broking across crops, forestry, horticulture, cotton, livestock, viticulture, farm packing (including public & product liability), professional indemnity, directors & officers liability, association liability, information technology & communication liability, environmental liability insurance and claims settlement in the agricultural value chain. We can provide expert advice on indemnity provisions in financial lines policy wordings such as professional indemnity insurance which can provide support to both professional service providers and provide increased confidence to their clients.

The Circular Head mayor Daryl Quilliam grew up on a farm in the area and said he has seen a big change in farm ownership over his lifetime. When he was young, his parents milked about 50-60 cows and that wasn’t far away from the average. The recent trend in the region has been towards share farming: where a corporate body purchases the farming property and local farmers invest through stock and the running of the farm. But young farmers still have a path forward. Stephen Armstong started small in his farming success in the same region, by gaining equity in dairy cows. They would rear 50 calves a year, sell them and buy another 70. We can provide expert agricultural insurance advice to startup farmers or large family farms.

So how can we help – We have experience in dealing with corporate agriculture – from member owned cooperative to large family offices. Some of our people have worked with clients in private wealth insurance and are familiar with corporate structures. We have existing experience with high net-worth individuals and their corporate entities. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We provide clients from the corporate sector, to SME, to retail sectors. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Winter cereals include wheat, barley, oats, canary, and triticale. Winter legume crops include peans and beans amongst others.

Canola, maize, rice, cotton and sunflowers are gown at slightly different times of the year according to climate.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

We can partner and engage with supply chain management companies, importers and exporters of grain for stockfeed or export for milling, commodity trading businesses.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have insurance experience dealing with customers involved in the export of Australian frozen, raw unprocessed, and/or processed food.

We have relationships with insurance companies who can assist with products in this segment. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

The cotton farming industry is very well established in Australia and supports the whole value chain. Cotton is a food and a fibre crop. It can be used to make clothes, homewares, and industrial products and Cotton seed can be used as stock feed.

So how can we help. Our food and agribusiness division has experience in Association liability insurance and agricultural cooperatives. We have people who have been involved in setting up mutual funds for cotton farmers, and understand crop underwriting. We provide industry-focused insurance risk advice and claims advocacy services to clients across industries.

We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

Cotton lint – Cotton is known for its versatility, performance and natural comfort. Cotton’s strength and absorbency makes it an ideal fabric to make clothes and homewares, and industrial products like tarpaulins, tents, hotel sheets, army uniforms, and even astronauts’ clothing choices when inside a space shuttle. Cotton fibre can be woven or knitted into fabrics including velvet, corduroy, chambray, velour, jersey and flannel.

Cotton farmers face both conventional risks to their enterprises spanning from infrastructure, farm vehicles and heavy equipment, homesteads, motor vehicles, labour hire, public and product indemnity. But they also face significant exposure to hail damage to their cotton crop. We can assist in providing expert farm package advice. We can also provide crop insurance services as well as insurance solutions covering their infrastructure, sheds, farm vehicles including cotton pickers.

Cotton can be used to create dozens of different fabric types for a range of end-uses, including blends with other natural fibres like wool, and synthetic fibres like polyester.

In addition to textile products like underwear, socks and t-shirts, cotton is also used in fishnets, coffee filters, tents, book binding and archival paper. Linters are the very short fibres that remain on the cottonseed after ginning, and are used to produce goods such as bandages, swabs, bank notes, cotton buds and x-rays. The cotton lint from one 227kg bale can produce 215 pairs of denim jeans, 250 single bed sheets, 750 shirts, 1,200 t-shirts, 3,000 nappies, 4,300 pairs of socks, 680,000 cotton balls, or 2,100 pairs of boxer shorts.

Australian cotton growers have been quietly and collaboratively working to improve their sustainability performance for decades. In 1991 cotton became the first Australian agricultural industry to benchmark its environmental performance, and more recently the cotton industry – led by CRDC and Cotton Australia – have been working towards developing sustainability targets. The Cotton Industry’s sustainability work and myBMP program continue to be recognised by an increasing number of global sustainability programs:

• Better Cotton Initiative (BCI), with Cotton Australia a Strategic Partner. The myBMP Standard has been mapped and aligns with the BCI Standard.
• CottonLEADS – Cotton Australia’s partnership with the US Cotton Foundation.
• Partnership for Sustainable Textiles – myBMP is accredited by the partnership.
• International Trade Centre (ITC) Sustainability Map, first published in March 2019.
• The Textile Exchange – myBMP data is included in Preferred Textile reports.
• Forum for the Future, CottonUP Guide – a practical guide to sourcing more sustainable cotton, with myBMP included as a sourcing option.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have experience with customers in AgriTech space. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

The desired outcome is to help meet the ever-growing national & global demand for sustainability metrics (notably generated with product Life Cycle Assessment ) to provide authoritative, comprehensive and transparent environmental information on agricultural products and services over their entire life cycle. We anticipate new & supporting enterprises to coalesce around the growing array of data services that will proliferate whilst the food and agri-sector starts providing value-adding insights from interpretation of quality data.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Digitally transforming Australia’s agrifood supply chain.

This will allow for a streamlined approach to regulating different prescribed commodities and will ensure the framework is more accessible for exporters. The CSIRO is working towards an integrated digitised regulations and protocols with digitised workflows and automated compliance checking tools, while linking different parties along the supply chain.
This approach to digitisation and automation of export compliance, with the aim of to map compliance workflows, will prioritise areas of highest return from investment, and deploy fit- for-purpose technologies that will facilitate the export segment.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity is second nature to use.

We have relationships with insurance companies who operate in this sector. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

This includes dairy cooperatives, cotton mills and other participants who help open local producers to domestic and international markets, whether this be for freshly harvested fruit, or the manufacturing of organic and/or conventional products into speciality products (for example converting fresh milk into value added milk powders, cheese, cream and butter).

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We have relationships with insurers who conduct businesses in this segment. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

How can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Hay for the international horse breeding sector

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity is second nature. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Soil carbon sequestration is a key component of the Australian Government’s technology-led emissions reduction policy. It is also included in Australia’s National Soil Strategy as a crucial part of efforts to improve soil health. As we seek to partner with consulting firms who are carbon sequestration project managers and/or product designers, farmers wanting to start their carbon journey are faced with uncertainty. They lack knowledge, struggle to find meaningful information, and don’t know who to trust. On the other hand, there are also opportunities for farmers who utilise management practices that build carbon to earn additional revenue from carbon credits. These are big decisions for them.

So how can we help:

Farmers retain their conventional farm exposures, and they stand to benefit from ensuring their counterparties are properly insured for the expert advice and services provided to them for their farm sequestration carbon journey. In our food and agribusiness division we strive keep abreast of the Carbon Market landscape from an insurance standpoint. We do this to be relevant to our food and agribusiness clients from an insurance standpoint.
Carbon markets span from emitters with emission permits (allowances) on one side, to carbon credits (offsets) on the other. As a general insurance intermediary in the food and agricultural landscape, our main interest is in deepening the ‘offset’ side of the market that involves carbon sequestration in agriculture, recognising that agriculture has dominated the government’s Emissions Reductions Fund (ERF) by a substantial margin. We are neither carbon market consultants nor environmental lawyers.

• We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions of the professional service providers in this carbon market space by professional consultants in the carbon market space.
• And importantly, we can provide expert support if you have a claim.

Background information

Conventional primary producers include farmers seeking the potential to improve on-farm environmental outcomes as a key motivator for undertaking carbon off-set projects on their farmland, improving the natural capital and environmental outcomes of their farms. Carbon offset projects range from sequestration projects, agricultural emissions avoidance projects, indigenous savanna burning projects to non-indigenous savanna burning projects.

Soil Carbon Consultants

Soil carbon sequestration means adopting practices – most often in the agricultural sector – that increase the amount of carbon stored in soils. Agricultural management practices might include:

• increasing plant growth or cover
• adding compost or mulch
• decreasing losses through reduced stubble burning or minimal till practices
• increasing the clay content of sandy soils.

A key challenge is developing sequestration technologies that are cost-effective, and that produce meaningful abatement at national-to-global scales.

Another challenge is that the diversity of soils and agricultural systems across Australia makes it difficult to develop consistent accounting metrics for soil carbon.

Australia has made a commitment to Net Zero emissions by 2050. Each year, the National Greenhouse Gas Inventory reports all greenhouse gas emissions across all sectors, and the Emissions Reduction Fund (ERF, provides the financial mechanism to incentivise industries to either reduce emissions, or increase sequestration, contributing to the emission reduction targets set under the Paris Agreement.

The soil in which a crop was grown in can provide unique data points to validate its origin. The SCIRO is conducting research to provide nationally consistent, timely and accessible soil data to support development and management decisions at national, regional and local levels. Our soils are a valuable national asset, and their proper management is vital for Australia’s resilient and sustainable future. To restore and manage our soils for the benefit of all, we need appropriate and relevant soil information.

Various research projects are funded by Hort Innovation, using the Australian Horticulture research and development levies, and contributions from the Australian Government. Hort Innovation is the grower-owned, not-for-profit research and development corporation for Australian horticulture.

Various research projects are funded by Hort Innovation, using the Australian Horticulture research and development levies, and contributions from the Australian Government. Hort Innovation is the grower-owned, not-for-profit research and development corporation for Australian horticulture.

We deal with agricultural associations and agricultural shows. Nut Producers Australia processes and markets the almonds and pistachios grown by its shareholder growers. This means they are totally invested in delivering our quality promise to their customers. As a team of growers, processors and marketers, we promise to deliver the product quality our customers expect every time, on time. We have sufficient scale and capacity to meet the needs of our customers, but agile enough to personalise our service. Nut farmers face conventional risks to their enterprises spanning from infrastructure, farm vehicles and heavy equipment, homesteads, motor vehicles, labour hire, public and product indemnity. We can assist in providing expert farm package advice.

We have experience in providing expert advice to director and officers of agricultural associations for association liability exposures. Nuts for Life is Australia’s voice for the crucial role nuts play in good health and nutrition. On behalf of the nut industry, and work closely with health professionals, government, and other bodies to improve the nutritional reputation of nuts.

Primary producers across process a very wide range of farming occupations from Poultry (poultry-meat, poultry-eggs, poultry-breeding), pigs, sheep-wool, sheep-mutton, goats-meat, goats-mohair, cashmere, dairy and many other producers can protect themselves with farm package insurance.

So how can we help. We are experts in this space. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries.

It is important to know how your dwelling is insured. We can assist our customers understand the difference between ‘Cover Types’ – accidental damage versus defined benefits.

Basis of settlement – Farm sheds are often only offered with an Indemnity basis of settlement. This means that newer sheds in good condition may not be replaced with the same shed if market conditions have changed. We can assist you with an increased understanding of the ‘Basis of Settlement’ options available in the farm market space.

Some high value homes need special care when being insured. It is important to understand whether heritage status applies to some homestead and sheds.

We can provide expert advice on your claim in the event that we disagreed with a determination made by your insurer because we have claims experience working in this sector including experience with farm claims involving the Australian Financial Complaints Authority.

We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions.

We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm and explain your exposure for legal liability across your private (non-business civilian liability), farming business liability and motor vehicle liability (non-registered vehicle) exposures.

We can support farmers ranging from cropping, pastoralists, fruit growing to intensive agriculture across pigs, poultry, dairy, insects and aquaculture.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

We have experience in the arranging insurance for the export of Australian food produce. We have relationships with insurers and underwriters that can assist in the provision of appropriate products, and unless otherwise advised, we are able to provide insurance advice for your export requirements. Animals can spend up to 100 days within the supply chain and at times experiences significant change. We wish to work with businesses who have the skills and experience to understand nutritional requirements suited to each section of the supply chain to deliver the best results for their customers. <

We have experience in the export of Australian fresh food ,to the production of food on Australian farms. We have placed marine cargo risks, farm pack, information technology & communication liability, cyber liability, ag shows, ag cooperatives, product liability, public liability, professional indemnity, agritec, association liability, labour hire, voluntary workers, directors & officers liability, management liability, industrial special risks, heavy motor vehicles, specialist agricultural equipment and many other risks in the industry.

This is a significant gap in cover for farm contractors who are often engaged to sow (for example) broadacre crops. Although farm contractors would generally not provide advice, they do however make contracting decisions whilst rendering a professional service, that could result in an error. While most contractors would have cover for public liability in terms of claims arising from personal injury or property damage to others, they also need to consider for these potential errors when undertaking their farm contracting.

Errors made in calibration, from seed density to seed depth, can have a significant impact on turnout where average yields/ton lost would be claimed from the contractor. The same applies to spraying activities where either over application or under application can have adverse impacts on turnout, and where claims are lodged and the principal can demonstrate yield loss compared to average can result in property damage claims.

These are not public liability claims which exclude professional services provided for a fee. Errors and omissions extensions to public liability policies are normally only considered for white collar consultants and are not a feature in the farming insurance landscape.

Risk mitigation strategies would include engaging an agronomist to reviews crop programs including sowing rates, sowing depth and spraying programs. Agronomists need to procure their own professional indemnity insurance for their professional services.

Nutri V is a collaboration between Fresh Select, a leading fresh produce supplier with over 60 years of Australian farming history and Australia’s national science agency, CSIRO.
Nutri V has been created to deliver the best in farming operations combined with the knowledge and expertise of the country’s brightest scientists to reimagine the consumption of vegetables and maximise our natural resources.

Turning vegetables into Nutri V powder

We start with 100% Australian grown vegetables then dehydrate them using an advanced process that retains essential nutrients, vitamins and minerals to produce all natural, fibre-rich and protein fuelled vegetable powders. The nutrients of vegetables in a convenient powder

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

There are things that a financial services businesses can do to avoid a greenwashing claim, and prepare for the future of ESG regulation.

There is an increasing focus on the environmental and sustainability credentials of organisations. This in turn has led to claims and regulatory action in which it is alleged that companies have overpromised. Consumers are increasingly interested in purchasing (and often paying more for) sustainable or environmentally friendly products and shareholders are more willing to invest in companies that have environmental, social and governance (ESG) and sustainability goals which align with their values. Sustainability and ESG have shifted from being an afterthought to an essential aspect of a business offering in a competitive market. Risks originate from shareholder advocacy and research organisations, supported by government agencies and a regulatory environment increasingly motivated towards enforcement activity.

While the first ‘greenwashing’ civil penalty proceedings in Australia involve superannuation and investment funds, the risks are not limited to participants in the financial services industry. As an insurance intermediary we are alive to greenwashing, we are on our own journey of discovery, and we seek to work with clients and underwriters to ensure that exposures are covered, and certification are provided by validated service providers.

The Australian Securities and Investments Commission (ASIC) and the Australian Competition and Consumer Commission (ACCC) consider that companies “overreaching” on their sustainability claims are the biggest cause of greenwashing in corporate Australia.

ASIC’s willingness to test the issue through the Courts against super funds commenced in 2023. An internet sweep by ACC in 2022 identified that 57% of businesses reviewed across industries such as energy, vehicles, electronics, food and beverages made potentially misleading environmental claims which included:

• using vague or unclear environmental claims;
• not providing sufficient evidence for their claims;
• setting environmental goals without clear paths for how these will be achieved; or
• using third-party certifications and symbols in a confusing way.

Companies and directors/officers face exposures and we can assist in working with insurance companies to ensure that our customers are protected, querying the risks of “overreaching” on their sustainability claims, and seeking clarification on how insurance policies are likely to respond to claims and regulatory enforcement actions.

So how can we help. We are not ESG consultants, environmental lawyers and neither do we profess do know it all. We are general insurance brokers, we specialise in the food & agribusiness sector, we are alive to ESG and have a deep interest in the future of food. In our food and agribusiness division we strive keep abreast of the ESG legal landscape from an insurance standpoint. We do this to be relevant to our food and agribusiness clients from an insurance liability standpoint. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Horticulture is Australia’s second largest rural production industry after wheat, and includes fruits, vegetables, and nursery/ornamental crops. The majority of produce is grown for the domestic market, with horticultural exports making up approximately 13% of total value of production. Fruits dominate horticultural exports with apples, oranges and table grapes being the most important while a wide range of vegetables are grown. Due to the range of climatic conditions and growing regions in Australia it is possible to have produce supplied throughout the year.

The Australian Melon Association is the peak industry body for the melon industry in Australia. With approximately 200 Australian melon growers, AMA represents their members to all levels of government and the supply chain. Membership also includes wholesalers, service providers, marketers, consultants, and researchers. Melon varieties include watermelons, rockmelon and honeydew lemons.
So how can we help. Our food and agribusiness division has experience in Association liability insurance and agricultural cooperatives. We provide industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

Melon farmers face conventional risks to their enterprises spanning from infrastructure, farm vehicles and heavy equipment, homesteads, motor vehicles, labour hire, public and product indemnity.

Rockmelons are usually round or slightly elongated with firm, netted or scaly, cream or buff rind.

How can we help: we can provide impactful advice to impact companies by providing expert general insurance advice to these enterprises as we work with them, get to understand what they do and what their key exposures are. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Meat & Livestock Australia market information analyst Erin Lukey said WA capacity hit 90,188 head, which was down two per cent on last quarter and 1pc on the same time last year

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions.
We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. We strive to provide insurance advice to customers in low emission supply chains that can provide a safe harbour for insurable risks in our chosen markets. And importantly, we can provide expert support if you have a claim.

Livestock farmers face conventional risks to their enterprises spanning from infrastructure, farm vehicles and heavy equipment, homesteads, motor vehicles, labour hire, public and product indemnity. They face specific exposure related to boundary fencing, for escape of livestock onto public roads. We can assist in providing expert farm package advice.
Livestock farmers form part of the Australian primary industries that choose to invest in levies. The levies system prescribes the amount of levy or charge applied to a commodity under the Primary Industries (Customs) Charges Act 1999, Primary Industries (Excise) Levies Act 1999, National Residue Survey (Customs) Levy Act 1998 and the National Residue Survey (Excise) Levy Act 1998.

Credit: Agrifutures. https://agrifutures.com.au/rural-industries/goat-fibre/

So how can we help. Our food and agribusiness division has experience in Association liability insurance and agricultural cooperatives. We provide industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions.

We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

Fibre – Mohair producers and Cashmere producers

Our general insurance practice aims to be at the forefront of general insurance broking advice working with carbon market innovation and innovators. Farming and nature is in our DNA. Landowners who and practitioners alike could face insurable risk exposures and we are here to provide expert advice. Members of our team have deep experience in the agricultural insurance product, underwriting and claims space. Some consulting experts in this sector can provide information on learning how landowners can earn income from their land, or where they simply want to learn more about carbon farming, reef credits, plastic or biodiversity projects.

So how can we help – We can provide expert insurance advice on environmental projects exposure based on our relationships with key underwriters and international insurers in this space.

Carbon market and project developers have been working with farmers, graziers, traditional owners and other land managers across Australia to generate new, additional, and regular income through carbon storage projects for over a decade. They are at the forefront of innovation in environmental markets, working on new methodologies within carbon, and establishing new markets that value water quality and biodiversity outcomes of good land stewardship, as well as methods that reward land managers for best practice management of single use plastics.

The scope of professional activities include:

• Ensuring the reward of biodiversity outcomes of clients’ land stewardship
  Designing projects that align with clients’ operational goals, working with clients to undertake projects with them so that clients get paid for environmental outcomes resulting from land management practices that deliver environmental, economic, and social benefits for the clients’ own business as well as the environment
• Enhancing the productive outcomes of clients’ enterprise while caring for the environment
  Provision of scientific analysis and technical viability statements, compliance and regulatory processes and risk identification, mitigation and management using models, data, market intelligence and systematic approach to field work to ensure accurate measurement and reporting in both the assessment phase and during project delivery to measure outcomes.
• Measure, report and third party verify the reduction in plastic waste
  They can also initiate plastics project that can collect and recycle waste plastic from Banana farms in Far North Queensland. They can measure, report and third party verify the reduction in plastic waste from this important and highly visible part of Australia. Projects that supports Australian farmers whilst also minimising damage to the river and reef ecosystems of our tropical north

Further information – organic

NASAA Organic and Biodynamic Standard and Australia’s most internationally recognised Australian organic certification label, NASAA Certified Organic. Their subsidiary certification company, NCO (NASAA Certified Organic), provides superior market access through its wide international distribution and global recognition.

What makes a product Certified Organic?

According to NASSA, iIf a product claims to be ‘Certified Organic’ the owner and the seller of that product must be able to prove the validity of the certification. If the vendor is claiming it to be certified, and a consumer questions the validity of the certification, the vendor must by law (The Australian Consumer and Competition Act) be able to show the certificate of registration that confirms the product’s integrity.
In summary, the term ‘organic’ can be used on a product anywhere, anytime, without any legal consequences. The term ‘Certified Organic’ can only be used on a product when the producer, processor and in some cases, the vendor, are certified by an independent third party certifier, such as NASAA Certified Organic.

There are some significant trends in Australia which are growth segments of the future that have general insurance programs that require special attention. We have experience in dealing with home grown food companies, member owned cooperatives and other businesses in the food and agricultural space. Some have stablished well recognised brands and attract premium prices for their product. They need to protect their supply chain for risks that could impact their brand and reputation. They face product liability exposure that may be larger than conventional producers because of the premium nature of their product.
An example of an excellent Australian brand in this segment is the Organic Milk Company, trading as TOMC Brands Pty Ltd. The Organic Milk Company was founded in 2015. Australian owned and operated, they are a group of Australian farmers determined to produce milk that is simply better. Better for their cows, better for the environment and better for Australian families. The Organic Milk Company was founded in 2015. Australian owned and operated, we are a group of Australian farmers determined to produce milk that is simply better. Better for our cows, better for our environment and better for Australian families.

The Organic Milk Company is a collaboration of the largest network of organic dairy farmers in Australia. They made the move towards ethical, certified organic farming practices to deliver Australian family’s fresh milk and dairy products that are free from genetically modified ingredients, chemicals, pesticides, hormones and antibiotics. It’s real milk and it’s that simple. We aim to minimise our environmental impact on our land through sustainable, organic, biodiverse farming practices. They take health and safety seriously, from the wellness of our cows to the wellbeing of our farmers and their families. We are committed to ensuring future dairy farming families can continue to thrive. Their vision is to see the same passion being handed down to the next generation on the land they love.

• reducing methane production in cows and other ruminants such as goats and sheep
• capturing and storing carbon dioxide
• boosting protein and nutrients in food products
• providing extra health benefits in new therapeutics
• soaking up excess nutrients in wastewater
• creating new materials such as bioplastics, packaging and textiles.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

We also engage with agricultural enterprises who recognise shifting consumer demands and have moved towards ethical, certified-organic farming practices to deliver Australian families organic dairy products that are free from genetically modified ingredients, chemicals, pesticides, added hormones and antibiotics.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity is second nature to use. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

This includes dairy cooperatives, cotton mills and other participants who help open up local production to domestic and international markets – whether this be for the manufacturing of organic and/or conventional products into speciality products (for example converting fresh milk into value added milk powders, cheese, cream and butter). At Omnisure we seek to engage with specific market segments of agriculture and food associations, and ‘organic’ is a case in point. A typical example would include milk managers & distributers who have a diverse farmer supplier base to provide conventional, organic and A2 dairy products.

We can help advise Associations on their association liability insurance needs and we can also provide general insurance advice to members of associations. Often associations are peak industry association that provide market and industry development, advocacy, education, policy and advice services. An example is the NASAA Organic (part of The National Association for Sustainable Agriculture Australia).

So how can we help. Our food and agribusiness division provides industry-focused insurance consulting and claims advocacy services to clients across industries. We aim to strike a balance between technological innovation and personal engagement. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Examples – Appleton Cattle Company is a family-owned beef cattle enterprise with properties in the Belyando River and Hughenden regions of central Queensland. In 2015 Appleton Cattle Co became certified organic. The properties encompass 190,000 hectares and are home to about 45,000 head of cattle.

The Appleton family breeds pure Brahman, Charolais and Simmental cattle. The Appleton’s are finishing bullocks on grass at between two-and-a-half and three years old. They are sold over the hook when they reach between 320 and 350 kilograms. But their bullocks always attract a premium, because in 2015 Appleton Cattle Co became certified organic.

We provide more than insurance broking services. We offer risk reduction services. This involves a shift in focus from product volume to quality of outcomes. The risk measures are different. They include increased certainty and elevated confidence in indemnity outcomes.

So how can we help. We have experience in the lobster export logistic values chain from, port to factory, to airport. We have contacts and relationships within in the lobster insurance market and understand the workings of insurance policies in this sector. We have existing clients in the seafood and meat export space. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

We have provided expert assistance with the review of current insurance programs, adding value to clients by demonstrating shortcomings in existing programs, replacing current insurance policies with better suited contacts providing increased clarity, less indemnity uncertainty, with greater insurance cover at about the same premium cost. We achieve outcomes. We like this by working side-by-side with clients, working together through tricky issues, with trust, and in a mutually beneficial manner.

Pork Industry – Australian pork industry includes quality assurance programs (QA) such as that offered through the Australian Pork Industry Quality Assurance Program (APIQ) for pig producers. Certification proves that producers are meeting relevant State and Federal legislation, supporting good agricultural practice outlined in the relevant Model Code of Practice as developed by the Primary Industries Standing Committee and supporting the Food Standards Code in Australia.
We advocate on behalf of customers to insurance underwriters that APIQ is based on the internationally recognised principles of hazard identification and managing risks at Critical Control Points (HACCP). A producer’s markets may require quality assurance to supply pigs to them (for example, if a producer sells pigs to or through an export processor they must have on-farm QA, and if you sell pigs to a customer that sells pork and pork products that need on-farm QA). There are 7 APIQ Standards modules (Management, Food Safety, Animal Welfare, Biosecurity, Traceability, Environment and Transport
Sustainability Framework for pork – Through Australia Pork Ltd the pork industry has a robust sustainability framework with targets including 60% of pig production using waste recycling and renewable energy.

Pig farming types

Indoor system farming – Indoor production lets producers monitor and accommodate pigs throughout their life cycle.

Free range farming – In free range pig production, all pigs are kept outdoors all the time with access to shelter that has suitable bedding provided.

Outdoor system farming- Similar to free range, all adult breeding sows and boars live in open spaces with access to shelter.

So how can we help.

Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

So how can we help. Our food and agribusiness division has experience in Association liability insurance and agricultural cooperatives. We provide industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions.

We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

We have experience in dealing with corporate agriculture – from member owned cooperative to large family offices. Some of people have worked with clients in private wealth banking and are familiar with corporate structures. We have existing experience with high net-worth individuals and their corporate entities.

We have the experience in agriculture and insurance to provide expert general insurance advice in this segment. From family trust and corporate trustees, and hybrid trust structures, we have experience in dealing in specialist insurance policies to manage key regulatory exposures.
High-end farming operations have more capital invested in their farms, often have high end equipment and substantial physical assets and high-end homesteads. We have experience in insuring high value artwork on farms where certificates of valuations are held in custody by audit firms.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have experience in general liability, and product liability in agriculture. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions.

We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

We have substantial experience in understanding the third-party liabilities that stem from the ownership of farm enterprises. This includes liability originating from the farming business as distinct from those liabilities originating from non-business activities.

High-end farming businesses have substantial property assets and large investments in homestead. The dwellings and home infrastructure exceed conventional main-stream farming exposures.

High-end dwellings normally have large domestic contents requirements. If home contents and valuables are not insured correctly you could find yourself uninsured.

But these farms still have normal property assets such as sheds, woolsheds, dipping tanks, water infrastructure, irrigation assets, centre-pivot investments and similar mobile equipment’s and farm.

Some high-value homesteads have heritage status and require to be covered with an appropriate asset identification in the home section of the farm pack.

Great care needs to be exercised in reviewing the policy wording in relation to the basis of settlement and how specialist trades might be required.

Alternative production systems – Group One: Free-range

Free-range is the poultry housing system most actively supported by welfare groups for egg production. Free Range poultry system for commercial production of eggs or chicken meat is considered an environmentally sustainable land use practice.

Alternative production systems – Group Two: Barn

The Barn poultry layer system is a mix between the cage system and free-range system. Barn hens are housed on deep litter in secure and weatherproof sheds. While they are provided with ample water, feed, ventilation, space and nesting boxes in accordance with the Model Code of Practice for the Welfare of Animals (domestic farm), they do not range out of doors.

Alternative production systems – Group Three: Certified organic

Only free-range hens can be used to produce certified organic eggs and meat and must be grown without the use of artificial colours and synthetic chemicals, according to the national standards in Australia. Birds are fed certified organic feed grown from soil that is certified as organic and does not contain pesticides or inorganic fertilisers. Under the regulations, no antibiotic medication is to be used for treatment of organic poultry. Organic standards for egg production specify the types of feed, accommodation, and living conditions which are suitable for organic laying hens. While healthy hens require shelter for security and protection against the elements, they also benefit from the freedom to scratch and forage naturally outdoors. A clean, pollution-free range provides a suitably varied natural diet, one that is rich in essential vitamins, minerals, and trace elements.

Chicken Egg (layer) Industry – Eggs have four broad production types: cage, free-range, barn-laid and organic. Backyard egg production is also common in Australia and is closely tied in with Australians fondness of poultry. Over the past five years, there has been an increasing demand for free-range eggs due to welfare issues in cage egg production system. Free-range egg production system allows hens to roam freely over a greater area, including outdoors. The industry is gradually moving from cage egg production system to free-range egg production system in Australia. Our interest spans across extensive, semi-intensive or intensive egg producers in Australia and will engage with underwriters to seek the best insurer for your particular circumstances.

Broilers – chicken meat (broiler) industry

The requirements are farmers in the Broiler industry are unique to their production system. Most commercial meat chicken farms are intensive, highly mechanised operations that occupy a relatively small area compared with other forms of farming. Commercial broilers are raised on litter floors (e.g. rice hulls, wood shavings) in large poultry sheds. Australian broilers are not kept in cages, regardless of the production system used. The main production systems are generally referred to as conventional, free-range and organic. Most grow chickens under contract to meat processing companies and are known as ‘contract chicken growers’. These producers grow 80% of Australia’s meat chickens.

Poultry farmers have exposures that are in part specific to their sector, and in part, exposures shared with every other farmer. Sheds, dwellings, motor vehicles and liability exposures. We understand the farming sector and provide general insurance advice in this sector.

Poultry breeding

We can assist farmers in the poultry breeding industry. This segment provides chickens destined for both commercial egg and meat production. Geneticists design special breeding programs to select birds with the best characteristics for egg or meat production. This selection process (called genetic selection or genetics) allows the industry to select strains of birds which are produced very efficiently in intensive housing systems. Most eggs are laid in the morning, collected as soon as possible after laying and placed in a cool room to help preserve their internal quality.

Incubation of fertile eggs

Fertile eggs can be stored for up to 7 days at about 12-15o C without loss of hatchability. Because of the danger of bacteria on egg shells going to the hatchery, all fertile eggs are fumigated on the farm or as soon as they arrive at the hatchery. Fumigation with the gas formaldehyde kills surface bacteria without damaging the fertilised ovum inside the egg.
There are two main types of commercial chicken breeds: layers and meat (broiler) chickens.

Stages of incubation of chicken eggs are firstly the ‘setting’ stage of 18 days during which the eggs are placed on special trays which can be tilted through 90 degrees, from side to side.

The temperature and humidity of the air in the setter is controlled so that conditions inside each egg are suitable for the growth and development of the chick. The next phase is called the candling of eggs after 5-8 days of incubation to examine for the presence of any infertile eggs. It is the easiest way to check on the development of the chicks inside the eggs.

The second phase of incubation commences on the 18th day, when eggs are transferred to a different tray, which cannot be tilted, and placed in another machine called a “hatcher”.

Eggs are transferred to hatchers so that hatching chicks do not contaminate other batches of eggs being incubated. The hatchers can then be thoroughly cleaned after every hatch.

By the end of the 21st day, all chicks have hatched and are ready to be removed from the machine. They are taken to a special room and removed from the hatcher tray. They are then placed in chick boxes (usually up to 100 in a box) ready for delivery to a farm.

The hatchery is a special building with controlled ventilation. It contains machines for holding and incubating a large number of eggs. The hatchery is designed with hygiene in mind and is laid out so that there is little chance of any contaminating organisms travelling back from hatched chicks to eggs brought in later.

Game birds – whether you are involved in mainstream poultry or specialised game faming, we will engage with underwriters to seek insurance suited to your needs. Generally the specialised bird markets in Australia are small and specialised. For example there is a small guinea fowl market, and although likely to stay small, producers in these market segments require insurance protection for their farm infrastructure and assets, and we can help.

Farm-to-plate market

We are able to provide expert insurance advice to producers who grow livestock and have vertically integrated their farming operations. These producers are normally focussed on providing exceptional produce from Australian farms. We seek to work with Australian poultry specialists focusing on producing and processing the finest chicken, cockerel, ducks and game birds for chefs and cooks who appreciate the flavours and textures of traditionally raised birds.
Frequently these food enterprises reside at the consumer end of the value-chain, establishing restaurants in major cities with sought after product. These boutique producers refine and perfect their high-end products by establishing close relationships with a collection of small, hand-picked family farmers across the country. They share their particular traditions, knowledge, culture, and the little secrets they have learned along the way to grow perfect birds with their partner farmers. They understand the importance of adhering to well-practiced rearing methods that involve low-density stocking rates and special feed blends to ensure the best nutrition for birds. The result is consistent fine texture and intense flavour.

An example is the Aurum Poultry Co, whose focus is the goal of assured quality, and their farmer partners need to adhere to the highest standards of oultry production. https://aurumpoultryco.au/

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us, and we have experience in general liability, and product liability in agriculture. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Future farming – smart, aware, successful and nurturing.

We are a forward-looking general insurance brokerage. Our food and agribusiness practice is intent on embracing the future, seeking out the custodians of our food, farming and natural capital resources. We wish to provide expert risk transfer advice, engage and partner with like-minded organizations focused on research, food, agriculture and the environment. People and enterprises that will help to inspire projects and research activities that meet the most pressing needs of industry and the agricultural community.

We seek out customers who embrace a sustainable business model – our preference is to partner with them as risk partners in identifying their insurable risk exposures, as we work towards our own aligned risk-advice business of the future.

Successful Australian enterprises are involved with the production of world-class seaweed products, including the methane-busting red seaweeds Asparagopsis armata and Asparagopsis taxiformis, and the restoration of seagrass meadows in Victoria and Western Australia which are attracting foreign investment.

Our food & agriculture business insurance practice includes seeking out high-tech and high-value new market segments. Our target market includes an interest in a seaweed industry that offers Australia a sustainable, high-tech and high-value new economic opportunity. By fostering seaweed production, we have the opportunity to improve the health of our bays, oceans and reefs, provide jobs in regional coastal areas, produce high-value products for domestic and export markets, and even make significant progress on mitigating Australia’s carbon emissions.

Development of a seaweed industry will also assist achievement of the National Aquaculture Strategy’s target to increase the current value of Australia’s aquaculture industry to $2 billion by 2027. New aquaculture and biotechnology ventures offer potential commercial financial returns and long-term value creation opportunities that can improve social, environmental and economic outcomes for Australia.

So how can we help. We have expert staff with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

Businesses that are exploring the agricultural value chain, broadening the base of food, animal feed, biofuels and fertilisers products of the future from nature-based resources. This includes harnessing the power of seaweed to protect oceans, reduce carbon emissions, nourish the planet – whilst contributing towards a solution for low-methane meat via the development of a viable Asparagopsis algae production industry.

Data from AgriFutures outlined the Australian seaweed industry has the potential to reach $1.5 billion in the next 20 years.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. Professional indemnity insurance is second nature to us. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim.

The Tatura SmartFarm in the Goulburn Valley is Australia’s leading horticulture SmartFarm research facility effectively linked to the Mildura SmartFarm, enabling research and innovation to deliver high-quality fruit from orchard to export market. They develop, use and demonstrate new applications of agricultural technology to achieve increases in marketable yield, product value and production efficiency in pears, apples, stonefruit and almonds.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. We strive to provide insurance advice to customers in digital information technology providers that can provide a safe harbour for insurable risks, in our chosen markets. And importantly, we can provide expert support if you have a claim.

Ground-mounted solar PV panels are also compatible with biodiversity and bees, as well as some types of horticulture. According to the National Renewable Energy Laboratory (NREL) in the USA, the partial shade conditions of solar installations can create favourable conditions for plants grown under or around the panels, including creating cooler conditions during the day and warmer conditions at night, and increased soil moisture levels.

The first Australian solar farm to implement agrisolar practice was the Royalla Solar Farm, which began grazing sheep in 2015. Since then, there have been over a dozen solar farms that have introduced grazing, and it has proved to be an effective partnership for both solar farm proponents and graziers.

How can we help. We have staff in the group who have been involved in insurance for solar panels, underwriting this exposure and settling claims under farm packages. We know how the farm pack products work and we understand farm pack claims. We can provide expert support.

In Australia, we’ve seen solar panels and solar farm fences improve the sheep’s welfare by providing protection from the elements and predators. While these results are generally anecdotal in Australia, according to the clean energy council one recent Australian study found that the reduced windspeeds recorded within a solar farm could reduce the wind-chill index for new-born lambs. For winter 2022, this had the potential to reduce twin merino lamb average mortality rate from 20 per cent in open paddock to 12 per cent within the panel field. Furthermore, preliminary results from a wool analysis of the sheep at the Parkes Solar Farm indicated that the quality was high, even during drought conditions.

So how can we help. Our food and agribusiness division has experience in Association liability insurance and agricultural cooperatives. We can provide insurance solutions to vegetable farmers covering their infrastructure, produce, sheds and vehicles. We are farm package experts. And we provide industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on small details and covers in policy wordings, such as protection for tree breaks on your farm.

Traditional family farming such as wool growers face conventional on-farm insurance requirements to content with normal farming exposures usually catered for with farm package products.

Sheep dogs are a valuable asset to a sheep farmer and can be insured.

These farm pack products cover a wide range of exposures within a range of insurance classes wrapped in one packaged product. This includes home property, farm property, land transit, public & product liability, private motor vehicles, farm motor vehicles, farm machinery, general property, business interruption, electronic equipment and machinery breakdown covers.

So how can we help. Our food and agribusiness division provides industry-focused insurance risk advice and claims advocacy services to clients across industries. We have people with deep domain experience in the agricultural sector who can assist in interpreting wordings, understand the cover provided, know where to get appropriate insurance cover and work with underwriting agencies providers to answer key questions. We can facilitate increased confidence by obtaining clearer understanding of the indemnity provisions in policy wordings. We have experience with escape of livestock on to public roads, escape of fire, horse riding accidents, personal injury caused by unregistered vehicles and have assisted with claims settlement in the area of business and non-business legal liability.

We can assist Wool producers with their farm assets, shearing equipment, sheds, vehicles and also their public and product liability exposures. We understand the sheep industry and have people in our group who hail from the livestock industry. And importantly, we can provide expert support if you have a claim. We are farm package experts and can provide insight on the small details.

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