Insurance for regional Australia.
Insurance solutions for farms, regional businesses, property owners and individuals across Australia. From agriculture and trades to professional services, transport and personal insurance, we help clients review and arrange cover around how they live and work.
Farm and rural insurance
Cover for the land, the operation and everything that runs on it. Rural businesses rarely fit a single template, so we build cover around how the farm works through the year.
Farm Insurance
Mixed farms, broadacre operations and family farming businesses each carry different exposures – and they shift with the season. We review what's in place against how the operation runs, including the bits owners often assume are covered but aren't always: contract work, on-farm storage, plant on hire, and family members helping out.
Crop Insurance
Pre-season cover for fire, hail and stored grain across the major Australian growing regions. The details matter – declaration timing, harvest periods, where grain sits and for how long. We work through it before the season rather than at claim time.
Livestock & Stud Stock
Day-to-day livestock cover plus the specialist arrangements that often apply around sale season – transit, sale-day exposure, and the higher-value cover that stud breeders typically need. We work closely with Livestock & Property Agents on the saleyard side of this as well.
Farm Motor & Agricultural Machinery
Cover considerations for farm utes, trucks, tractors, harvesters and other machinery used on or away from the property. We consider ownership, registration, drivers and operators, attachments, seasonal use and the financial impact of essential equipment being damaged or unavailable.
Business and professional insurance
Tailored cover for rural and regional businesses. Most of our business clients are running something small to mid-sized in town – trades, retail, professional services, transport, agribusiness and most have grown past the point where a single packaged policy still fits properly.
Business Insurance
Cover for rural and regional businesses across trades, retail and services. We look at the real exposures – property, business interruption, public liability, theft, glass, money and make sure the sums insured reflect what it would genuinely cost to keep the business running after a loss.
Trade Credit & Debtors Insurance
Cover for businesses against losses arising when customers cannot pay amounts owed due to insolvency, prolonged default or other insured events. We consider customer concentration, trading terms, credit controls, export exposure and how a major unpaid account could affect cash flow.
Commercial Motor Insurance
Cover for work utes, vans and other commercial vehicles used in day-to-day business operations. We consider how each vehicle is used, who drives it, business use, accessories and what happens when a vehicle is off the road.
Liability Insurance
Public and products liability insurance for businesses that may be held responsible for personal injury, property damage or loss arising from their operations or products. We consider the activities being undertaken, premises, subcontractors, contracts and the limits and exclusions that may affect how the policy responds.
Workers Compensation Insurance
Workers compensation insurance supports employees who suffer a work-related injury or illness and helps employers meet their statutory obligations. Requirements and available arrangements differ between Australian states and territories, so we help clients understand the relevant scheme and the assistance available for cover, claims management and return to work.
Cyber Insurance
Email compromise, false invoicing and response support. Five years ago, this was a city business conversation. It isn't anymore. We see it regularly with smaller rural businesses, often through a simple invoice redirection. The cover matters, but so does having someone to call at 6pm on a Friday when something looks off.
Professional Indemnity Insurance
For Livestock & Property Agents, consultants, advisers and professional service businesses against claims of negligence, errors or omissions. The right cover depends on the work being done and who's relying on it, so we look at scope, contracts and the specific risks of the practice rather than defaulting to a market template.
Management Liability Insurance
Protection for directors, officers and the business itself against management related claims and statutory exposures – employment practices, statutory defence costs, tax investigations and OH&S. Often overlooked by smaller businesses until something happens.
Corporate Travel
Insurance considerations for directors and employees travelling for work within Australia or overseas. Depending on the policy, cover may respond to medical expenses, cancellation, lost baggage, travel disruption and other expenses arising during an insured journey.
Construction and equipment
Cover for projects under way and the plant that makes them possible. Contract wording, site control and ownership of materials all shape how these policies need to be structured.
Construction & Contract Works
Insurance for residential, commercial and rural construction projects, including works in progress, materials and associated liability exposures. The appropriate structure depends on the type of project, who owns the materials, who controls the site and the responsibilities contained in the contract.
Plant & Equipment
Cover for owned, hired-in or hired-out plant, machinery, equipment and tools. Depending on the policy, this may include accidental damage, theft, breakdown and use while travelling between properties or worksites.
Transport and logistics
Arrangements for operators moving vehicles and goods. The right structure depends on the fleet, the freight and the contracts sitting behind the work.
Motor Fleet & Carriers Liability Insurance
Insurance for transport operators and businesses with multiple vehicles, including mixed fleets, heavy vehicles and trailers. Carriers liability cover may also respond when an operator is legally liable for loss of or damage to customers’ goods while being transported. We consider the vehicle mix, driver arrangements, radius of operation, goods carried, contractual responsibilities, downtime and claims history.
Transit & Cargo Insurance
Cover for stock, machinery, equipment and other goods while being transported by road, rail, air or sea. Insurance may be arranged for individual movements or across an annual program, depending on how frequently goods are transported.
Personal insurance
Cover for the home, the vehicles and the things that sit outside the business. For most clients this is reviewed alongside their farm or business program rather than left to renew quietly on its own.
Home & Contents Insurance
Cover for residential buildings, household contents and personal belongings. We help clients consider rebuilding costs, contents values, specified items, rural property features and the events and exclusions that may affect their cover.
Landlords Insurance
Insurance for residential investment properties, including the building, landlord contents and selected rental-related exposures. Available cover for tenant damage, loss of rent and liability depends on the policy terms and circumstances.
Private Motor Insurance
Cover for privately used cars and other eligible vehicles. The appropriate arrangement depends on the vehicle, agreed or market value, drivers, use, accessories and the level of cover selected.
Caravan & Recreational Vehicle Insurance
Cover for caravans, motorhomes and other eligible recreational vehicles, whether touring or kept at a nominated site. We consider the vehicle, contents, accessories, storage arrangements and how it is used.
Watercraft Insurance
Insurance for pleasure craft, including the vessel, equipment and liability exposures. Cover requirements depend on the type of craft, its value, how it is used, where it is stored and the waters in which it operates.
Travel Insurance
Cover for eligible domestic and overseas trips, including medical expenses, cancellation, lost or delayed baggage and travel disruption, subject to the policy terms, limits and exclusions. The appropriate cover depends on the destination, duration, traveller age, planned activities and any pre-existing medical conditions.
Specialist insurance and support
Cover and support across personal risks, transport exposures, difficult placements and claim-related matters. These are the areas where having a broker who knows the market and understands your business tends to matter most.
Hard to Place Risks
Some risks don't fit standard market appetite – unusual occupations, high-hazard operations, properties with claims history, or businesses that have been declined elsewhere. We work through the specialist market to find cover that responds, and we'll tell you honestly if it's not available or not worth what it costs.
Assets over $10 million
Insurance arrangements for businesses, farms and property owners with individual assets or combined insured values exceeding $10 million. Larger values can require detailed valuations, risk information, loss-prevention measures and access to specialist insurance markets.
Claims Support
When something happens, the cover matters – but so does what comes next. We stay involved through the claim: lodging it, working with the assessor, and pushing where it needs pushing. What helps most is being ready before the event, and we'll talk through that with you well before you need it.
Access to a broad insurance market
RMA Insurance Brokers works with a broad range of insurers and specialist underwriting agencies. The organisations shown represent some of the markets we work with and are not an exhaustive list.
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Not sure which area applies to you?
That's the most common reason people get in touch. Have a chat with the team and we'll work out what's worth reviewing and what isn't.