Contract harvesting and fire risks

The extreme temperatures experienced in many parts of the country this summer have served as a reminder of the raw power of the elements.

Such heat can bring about dangerous conditions in many work environments, from the increased risk of dehydration and heat stroke for those working outdoors, to the possibility of devastating bushfires being sparked.

A farm or business insurance policy can help Australian business owners manage the risks presented by extreme temperatures.

Elders Insurance Wagga Wagga agent Greg Dyde gives an example of one such risk that broadacre farmers and contractors face.

"The biggest concern with contract harvesters is that they're usually operating in 38 degree heat," said Mr Dyde.

"The headers run very hot and fire is a concern, so all of a sudden if there is a fire that starts in a paddock and then extends to the surrounding area, there is always the possibility that it could turn into a major bushfire."

The resulting devastation could well cover a large area. Other farmers may have lost their crops, property or fencing and equipment - it is natural that they would seek the cause of the blaze and present them with the bill for repairs or rebuilding.

Mr Dyde explains that such a scenario demonstrates how critical it is to have comprehensive cover.

"It's very important for the farmer to have their own farm liability cover in place and it's equally as important that they confirm with the contractor that they too have their public liability in place."

The Wagga Wagga insurance specialist says that it is clear to see that contractors are keen to protect themselves and let others know as well that they have the sufficient cover.

"We get more and more requests to supply our contractors with certificates of insurance saying that they have a fully paid up public liability," explains Mr Dyde.