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Agricultural insuranceSICHER mit HELM →·DE|EN
Agricultural insurance

Insurance for farms and farming families

Buildings, machinery, animals, liability, natural hazards, photovoltaics and business interruption — coordinated for the real structure of your farm.

Real client cases

Experience from real property and natural-hazard claims.

Practice shows the importance of identifying the cause correctly, coordinating estimates and accompanying inspections.

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EUR 8,000flood benefit
around EUR 6,000after storm damage
around EUR 7,000settlement after reassessment

Results depend on the contract, risk and individual case.

Insurance classes

Cover for the farm, family and ancillary activities.

The appropriate solution depends on the actual buildings, activities, values and potential consequences of a loss.

Liability

Farm operations, animals, land, visitors, direct sales and environmental exposures.

Buildings & contents

Fire, storm, hail, escape of water, natural hazards, clean-up and demolition costs.

Machinery & technology

Machinery breakdown, electronics, photovoltaics, storage systems and additional costs.

Vehicles

Tractors, trailers, loaders, agricultural machines and business vehicles.

Animals, crops & stock

Livestock, feed, harvested goods, refrigerated stock and selected crop risks.

Legal expenses & personal cover

Legal disputes, accident, disability, health and income protection.

Farm types

Different farms require different risk descriptions.

Ancillary income and specialist activities must be included explicitly.

Arable & grassland

Machinery, stock, crops, buildings and natural hazards.

Livestock

Cattle, pigs, poultry, horses, grazing and animal keeper liability.

Forestry

Forest fire, storm damage, machinery, paths and timber storage.

Direct sales

Products, refrigeration, visitors, recall exposure and online sales.

Farm holidays

Guest liability, buildings, contents and business interruption.

Contract work & energy

Third-party work, transport, photovoltaics, biomass and biogas.

Austrian Supreme Court decisions

What judgments mean in practice.

Selected decisions in brief. The complete collection includes further cases and practical notes.

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OGH 7 Ob 63/15p

Escaped cattle and rescue costs

The case shows the importance of the specific danger, necessary measures and the insured category of costs.

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OGH 2 Ob 18/93

Cattle on alpine pastures and hikers

In livestock and grazing cases, inherent risks, due care and personal responsibility are assessed together.

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OGH 2 Ob 11/95

Moving livestock on public roads

Organisation, safeguards and the specific traffic situation determine liability.

Read the court overview →
Broker advice for agriculture

Bring multiple farm risks into one coherent concept.

Buildings, machinery, liability, natural hazards and interruption risks interact. An insurance broker helps assess covers and clauses as a complete concept.

More about broker advice
Our team

Personal contacts from advice to claims settlement.

We know your contracts and remain involved when a claim requires work.

Meet the team
Herbert Helm MBA

Herbert Helm MBA

Insurance broker, financial services adviser and personal contact

Sylvia Laslo

Sylvia Laslo

Back office, policy administration and client service

Corinna Wartecker

Corinna Wartecker

Claims management and client support

Lara Gschöpf

Lara Gschöpf

Client service, organisation and digital communication

Gerhard Kofler

Gerhard Kofler

External expert for liability, property and accident insurance

Personal consultation

Let us review your situation before a loss occurs.

We combine independent market access, careful policy design and hands-on claims experience.

Herbert Helm MBA
Herbert Helm MBA
Insurance broker & financial services adviser
+43 7474 23456
helm@sichermithelm.at
Frequently asked questions

Clear answers before you decide.

The most important questions at a glance. The full FAQ contains further details.

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Which insurance does a farm need?

This depends on the type of farm, buildings, machinery, livestock, land, forest, vehicles, employees and ancillary activities.

Is forest fire automatically insured?

Not under every policy and not always at an adequate limit. Forest areas, timber, clean-up and reforestation must be reviewed expressly.

What happens in the event of underinsurance?

If the sum insured is below the actual value, compensation may be reduced. Buildings, contents, machinery and stock should be revalued regularly.

Are photovoltaic systems on the farm insured?

Depending on the contract, they may be covered under buildings, machinery or electronics insurance. Loss of revenue, surge, storm, hail, animal damage and batteries require separate review.

Are animals automatically covered under liability insurance?

Livestock and its business use must be described correctly. Special species, grazing, events and direct sales may create additional exposures.

Directions to our office

Personal advice in Euratsfeld.

Our office is located at Saliterweg 8, 3324 Euratsfeld, Austria. The interactive Google map is only loaded after your explicit consent.

SICHER mit HELMSaliterweg 8 · 3324 Euratsfeld · Austria
Telephone+43 7474 23456