The cover available under the rural insurance umbrella includes a wide range of industries that are now currently operating within NZ today. To accommodate these changes the insurance industry has responded by providing tailor made solutions to suit individual situation such as:
Farm Assets
This section covers your Farm Buildings, Plant & Contents along with a wide range of covers available from livestock, farm dogs, hay/grain/woodlots to contamination of milk etc.
Fruitgrowers & Pack House
Covering your buildings and produce (as per Farm Assets & Machinery Breakdown & Spoilage above).
Farm Vehicle Insurance
Cover for full accidental loss or damage to farm vehicles. This cover can be tailor made to fit your requirements and provides benefits such as:
- Additions & Deletions
- Unspecified vehicle drawn implements and trailers
- Entanglement for tractors and headers
- Tyre damage on tractors
- Goods in Transit
There is also the option of Third Party Only or Theft, Fire & Third Party along with Goods in Transit, should it be required.
Machinery Breakdown & Spoilage
This protects you should your irrigation pump, or say a big chiller/freezing unit breaks down due to fusion or accidental damage. Cover can also be elected to cover any resultant spoilage of frozen or refrigerated goods following the breakdown.
Horticulture
Cover for your buildings, plant & machinery and contents against accidental damage and loss.
There is also cover available for some live plants under cover against such losses caused by:
- Fire, lightning or explosion
- Impact by vehicle/animal/power poles/trees
- Malicious acts of persons excluding family and employees
- Flood – limited to specific conditions
- Windstorm, hail or snow
General Liability
Covers your legal liability for damage to other people’s property and includes
- Exemplary Damages
- Forest & Rural Fires
There are optional extensions that can also be elected and we can discuss this with you to ascertain if relevant to your operations.
Employer’s Liability
Covers you as the employer your liability for any injuries suffered by employees in the course of their employment in the event that cover is not provided under the current ACC legislation.
Statutory Liability
Covers your liability to pay fines or penalties imposed by the Court under NZ statute law and the defence costs incurred. Fines are excluded under Health & Safety.
Personal Disability or Accident & Illness
There are various options available such as:
- Benefits for certain permanent disabilities (including death) as the result of an accident
- Cover if unable to work due to an accident
- Cover if unable to work due to illness
We can also provide you with cover for such things as Income Protection and Life Insurance as well.
