As Australia braces for what could be another challenging bushfire season in 2025, the time to prepare is now. For farmers, the threat of bushfires isn’t just about property damage; it’s about safeguarding livelihoods, livestock, machinery, and the very future of your agricultural enterprise.

Beyond physical preparations like clearing firebreaks and developing evacuation plans, reviewing your farm insurance is a critical step that often gets overlooked until it’s too late.

Why Your Farm Insurance Needs a Bushfire Season Check-Up

A bushfire can devastate a farm in minutes, destroying everything from sheds and fencing to crops, equipment, and even homes. While no one wants to imagine the worst, having robust, up-to-date insurance can be the difference between recovery and ruin.

Here’s why a pre-bushfire season insurance review is non-negotiable for farmers:

1. Underinsurance is a Major Risk: Construction costs and asset values have increased significantly. Is your current sum insured still adequate to rebuild or replace everything at today’s prices?
2. Specific Perils & Exclusions: Does your policy explicitly cover bushfire damage, and are there any exclusions you need to be aware of? What about smoke damage, or loss of income due to inaccessible roads?
3. Livestock & Crop Coverage: Beyond structures, are your livestock and valuable crops adequately protected against fire-related losses?
4. Business Interruption: If a fire impacts your ability to operate, does your policy provide for loss of income during the recovery period?
5. New Assets or Operations: Have you acquired new machinery, expanded your operations, or built new structures since your last review? These need to be included in your coverage.

How ARMA Insurance Brokers Can Help You Prepare

At ARMA Insurance Brokers, we specialise in understanding the unique risks faced by Australian farmers, particularly those concerning natural disasters such as bushfires. We know that a generic policy won’t suffice when your entire livelihood is at stake.

Here’s how our team can help you prepare for Bushfire Season 2025:

• Comprehensive Policy Review: We’ll meticulously go through your existing farm insurance policy to identify any gaps in coverage, particularly concerning bushfire risks.
• Claims advocacy: We advocate for our clients and handle all the heavy lifting during the claims process.
• Tailored Solutions: Leveraging our relationships with a wide panel of specialist agricultural insurers, we can customise a policy that specifically addresses bushfire risks relevant to your farm’s location and operations.
• Business Interruption Planning: We’ll discuss options to protect your income and operational continuity in the event of a fire-related disruption.
• Expert Advice & Support: We’re here to answer your questions, clarify complex policy wording, and provide peace of mind that you have the right protection in place.

Don’t Wait Until the Smoke Clears

Bushfire season can be devastating, but with proactive planning and the right insurance in place, you can significantly mitigate the financial impact. Don’t let uncertainty hang over your farm. Take action now to ensure you’re fully prepared for whatever 2025 brings.

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Contact ARMA Insurance Brokers today for a no-obligation review of your farm insurance and ensure you’re bushfire-ready.

Phone: 02 4932 4444

Email: maitland@armainsurance.com.au