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Rural insurance

Regardless of your operation’s size, a lot can be left to chance when you live off the land. That’s why we take the time to factor in everything that makes it tick. Whether it’s the Massey Ferguson in the paddock, the hay in the shed , or what's growing on your land, the unique challenges of your farm or agribusiness can be managed with the right cover. Even if you don’t see it listed here, the time we take to understand the finer details of your business each season means we can protect you in ways you mightn’t have thought possible.

Sheep and beef

Sheep and beef

Your farming operation isn’t just about the number of stock units on your farm. There are endless ways that your operation is unique. Our team will come and assess your risks and recommend the appropriate and most cost-effective cover, based on our 30 years of experience in this sector.

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Dairy

Dairy

When you are committed to dairy farming we understand it’s a lifestyle more than a job. The early hours, 7 days a week is most definitely a labour of love that comes with it’s own challenges. Those challenges shouldn’t include worrying about insurance. We do that for you with specific cover for your farm and milk solids, as well as dairy shed systems and equipment.

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Arable crops

Arable crops

Growing and harvesting crops comes with significant risks, often relying on the weather going your way. Since the risks are high, insurance can help ease the worry. We have access to specialist insurance crop cover that's uniquely designed to cover your cropping operation.

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Wineries & vineyards

Wineries & vineyards

From planting through to bottling, we can protect everything that goes into a great vintage. From cover for a commercial best-seller to a boutique drop, we can work with you to create the cover you need.

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Rural cover

Farm assets

Think about everything you use on a daily basis and everything stored in your shed or in the yard; would you be able to run your business if they were gone tomorrow? At the height of the season you need these replaced ASAP. We can develop tailor-made cover that protects your assets following that loss. This can include everything from plant to buildings; from the smallest pump shed to a large scale dairy shed and everything in between.

Rural motor

Whether you're shifting cows on the AG100 or harvesting crop in the latest header, we’ll assess all your rural vehicles and mobile plant to create the best cover. Then each year we will assist in keeping track of these vehicle values. With the current sophistication of farm machinery it's vital to have the right insurance to protect each farm vehicle.

Home & contents

From our experience with recent earthquakes it's really important to have the right cover for your homestead and worker's cottages. We can provide the benefit of this experience in customising a robust plan around replacing your home and contents.

Livestock, studstock, equine and farm dogs

From protecting the herds and flocks in the paddock, to your stud stock and working dogs. We also have specialist markets available for standardbred and thoroughbred horses (including Polo ponies to showing and hunting horses). Cover can be extended to include vet expenses, infertility, and transportation.

Rural liability

Farming is an industry that comes with unique liability risks, from your stock on the road to a fire escaping your property and causing damage to the neighbour. In addition the current focus by the Workplace Health and Safety regulator on the sector brings a real need to have robust cover in place. We can help in advising you on this important part of your farm insurance programme.

High Country Station, Rakaia

Working with Double Hill Station

"With Sean, we went from sitting on hold for hours and feeling like we were arguing our case, to a direct line with an ‘all good, it’s sorted’ professional."

Read our Double Hill Station case study here
Irrigated flat land Arable and store lambs, Mid Canterbury

Working with Hollyfort Farm

"He knew what I was talking about when I rang to say we have some new irrigator art in the front paddock and talked me through the best way to approach the claim.”

Read our Hollyfort Farm case study here