Rural Insurance is designed to protect your farm, your livelihood, and the assets that keep your operation running. Farming comes with risks you can’t control, from weather events and livestock loss to machinery breakdown and liability exposure. Standard insurance policies can leave critical gaps. Rural insurance ensures your cover reflects the realities of day-to-day farming and responds when it matters most.
Your land, stock, infrastructure, and income streams, the things that keep you going deserve a tailored solution that protects where it counts. The result is straightforward, practical cover that helps keep your farm moving, no matter what comes your way.
A rural / farm package typically covers:
- Farm Buildings, Infrastructure & Farm Contents: Cover for dairy shed, woolsheds, yards, sheds, silos, fencing, and other essential structures (i.e. bridges, culverts, underpasses) against events like fire, storm, accidental damage or natural disaster. This also includes Farm Contents – tools, general stores, wool, milk (including fines and penalties), bulk fertiliser, animal treatments, fuel oils, refrigerated supplies.
- Machinery Breakdown: Cover for specified electrical and mechanical plant, pressure vessels, pumps including submersible against breakdown.
- Livestock: Cover for specified animals or herds against restricted events such as (where available) – accident, illness, fire, electrocution, smothering, death following shearing, or infertility.
- Working Dogs and Horses: Cover for death by injury or illness, including limited veterinary fees.
- Business Interruption: Loss of income following an insured event, helping you maintain cash flow while you recover.
- Rural Liability: Protection if your farming activities or livestock cause injury to someone else or their property. Also includes, accidental breaches of government acts (where legislation allows), such as Health & Safety at Work Act, Resource Management Act and Animal Welfare Act. Covers protection for employee claims for work related injury or illness not covered by ACC.
- Farm Vehicles: Cover for damage to tractors, harvesters, excavators, farm bikes, utes, trailers, and other farm vehicles used in your operation. Cover is also available for Loss of Use.
This type of insurance is essential for farmers and rural operators who rely on their land, assets, and production to generate income.
Subject to variations in insurer wording, exclusions, and case-specific endorsements.
