Farming is a cornerstone of many rural communities, providing food, employment, and a way of life. However, it comes with its unique set of risks and challenges. Fires, cyclones, machinery breakdowns, and accidents can threaten not only the livelihood of farmers but also affect the entire community. It’s therefore crucial to address the importance of farm safety and the role of farm insurance in protecting our assets and ensuring the sustainability of our farming operations.
An unfortunate but common occurrence, farm fires can start from various sources, and their impact can be devastating. John from Elders Insurance Ayr explains, "There are many ways fires can start on farms, and once they start, they can be extremely difficult to contain." This makes vigilance and preventive measures essential.
Harvesting machinery is also a common cause. Research showed that approximately 7% of harvesters contributed to farm fires in 2020 in Australia. High temperatures, dry landscapes, and mechanical failures can easily lead to disaster. Regular maintenance is key. Servicing equipment and ensuring everything is well-greased can significantly reduce fire risks. Inspections for electrical and mechanical issues are equally important. Clearing trash from hot engine parts and monitoring for fire risks can also help prevent such fires.
Adhering to local guidelines on when you can and can’t harvest is crucial. John advises, "Each state and almost every council has different criteria of when you can and can’t harvest." Equip yourself with firefighting tools like extinguishers, knapsack spray pumps, shovels, and rakes. Having water and fire units within the paddock and relocating them with your harvesting equipment as needed is also vital.
Routine farm tasks, whether commercial or domestic, can spark fires. "A small job with an angle grinder may not seem a big deal, but it could easily start a fire," John points out. Maintaining strong safety practices for all farm activities is essential.
Given the myriad risks, having farm insurance is not just a precaution but a necessary consideration. Farms are valuable properties with significant investments in land, property, machinery and livestock. Proper insurance helps to ensure that if something goes wrong, farmers can have the financial protection needed to recover and continue operations.
Working with a knowledgeable insurance partner, like Elders Insurance Ayr, can help farmers assess their needs. John and his team are equipped to guide farmers through the complexities of farm insurance, helping to ensure they have the right coverage to protect against potential adverse events. This includes machinery breakdowns, accidents and liability.
The impact of farm fires and accidents can extend beyond individual farms to the entire community. "Over the years, I’ve seen escaped fires from farms have a devastating effect on the farm itself, the surrounding area and community, and the people involved," John shares. Ensuring all machinery is in good working order, implementing safety measures, and being prepared to respond to emergencies are critical to protecting our community.
By maintaining equipment, following safety guidelines, and regularly reviewing insurance, farmers can significantly reduce the risks on their properties and help improve resilience. These proactive steps protect individual farms and safeguard our entire community from the devastating effects of farm fires and accidents.
This article is part of a paid arrangement.
Seldon Pty Ltd ABN 93 675 197 645 trading as Elders Insurance Ayr is an Authorised Representative of Elders Insurance (Underwriting Agency) Pty Limited (ABN 56 138 879 026, AFSL 340965) (EIUA). EIUA, acting under its own AFSL, is authorized to distribute Elders Insurance products on behalf of QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545), the product issuer.
The advice in this article is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Visit www.eldersinsurance.com.au to consider the relevant Product Disclosure Statement and any applicable Target Market Determination to decide if the product is right for you.
John Azpiri of Elders Ayr
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