Agricultural technology is advancing faster than many farm insurance products have kept pace with and Allianz Australia says its redesigned farm pack is a direct response to that gap. "There's a change in the types of technology that farms are using and so this is making sure our covers were able to address those changing needs and equipment," said Julie Mitchell (pictured), chief general manager of commercial and personal injury at Allianz Australia. The list of newly addressed exposures is specific. Drone liability cover has increased from a 2 kilogram to a 25 kilogram threshold, reflecting the shift from small consumer drones to heavier commercial units now used for spraying, mustering and crop monitoring. That shift is already well underway nationally: the Department of Infrastructure estimates around 10% of agricultural businesses in Australia currently use drones to support operations, a figure forecast to climb substantially over the next decade. Electric vehicle charging infrastructure, like wall chargers and cables, is added to the accessories definition. Thermal runaway battery risk, a known EV-specific hazard, is now explicitly addressed under motor vehicle cover. Autonomous vehicles receive their own specific treatment in the revised product. "Autonomous vehicles are explicitly addressed in the policy, with an exclusion when operating in fully autonomous mode without driver intervention," Mitchell said. This distinction matters as more Australian farms trial autonomous tractors and machinery without a driver physically present. For brokers, that exclusion is a critical point to flag to clients experimenting with autonomous equipment: Cover may depend on whether a human remains actively in the loop during operation, not simply on whether the vehicle is present on an insured property. Australian Bureau of Agricultural and Resource Economics and Sciences (ABARES) data shows the agricultural sector employed around 255,500 people in 2025, under 2% of the national workforce, a