Trade credit protection

Have the confidence of knowing that your revenues will be protected, regardless of what circumstances arise. Our Otago horticulture and viticulture industry provides some of the finest fruit and wine in the world, and because of this, we are heavily reliant on the purchasing power of international buyers. Trade credit protection is essential, as it protects your business against commercial bad debts that arise from selling your goods and services on credit terms. Our team can help you select a bespoke level of cover that is tailored to your financial needs.

Crop protection

Cover for fruit, vines, and produce against weather, pests, and loss. In Central Otago’s dynamic horticulture and viticulture landscape, crop protection insurance is essential for safeguarding growers against the region’s unpredictable climate and biological risks. With frost, hail, and disease posing serious threats to high‑value crops like wine grapes, cherries, and stone fruit, the financial impact of a single event can be devastating. Key expenses covered under crop protection policies include replanting costs, loss of income from reduced yields, clean‑up and disposal of damaged crops, and recovery of vineyard infrastructure. As a local brokerage, we understand the unique challenges Central Otago growers face and tailor insurance solutions that ensure continuity and peace of mind. Investing in crop protection not only shields your bottom line — it reinforces your resilience in a region where nature doesn’t always play fair.

Machinery and equipment

Tractors, sprayers, cool stores, and irrigation systems. Be prepared for how your assets handle New Zealand’s rugged and harsh terrain. We can help choose cover for your machinery and vehicles to provide a cornerstone of operational security for your horticulture and viticulture business. From tractors and harvesters to utility vehicles and sprayers, these assets represent significant capital investment and are critical to day‑to‑day productivity. Insurance coverage typically includes protection against accidental damage, theft, fire, and third‑party liability — whether the equipment is operating in the field, in transit, or stored on‑site. Key expenses covered may include repair or replacement costs, towing, and loss of use, which can be financially crippling without adequate protection.

Buildings and infrastructure

Sheds, processing facilities, and storage. We are here to help you protect your capital investment. From packhouses and cool stores to irrigation systems, trellising, and winery facilities, these structures represent substantial investment and are exposed to risks like fire, flood, earthquake, theft, and vandalism. Buildings and infrastructure insurance typically covers repair or replacement costs, debris removal, business interruption, and temporary relocation expenses. For growers and producers, a single event can halt operations and jeopardise seasonal income. We understand how critical protecting your capital investment is, and how vital this industry is to our local region.

Business interruption

Income protection if operations are disrupted. We understand how unpredictable business within the rural sector can be. Whether it’s a frost‑damaged crop, a machinery breakdown, or a fire in your packhouse, disruptions can halt income while expenses continue to mount. We can help tailor a solution that finds the right level of coverage in the instance your business is interrupted. The most commonly insured business interruption items include gross profit (including wages), gross rents receivable, claims preparation costs, and unexpected additional costs associated with operating your company.

Liability cover

For export risks, public exposure, and workplace safety. We work closely with growers to understand your operation, your harvest cycle, and your long‑term goals. We also understand how unexpected issues can arise, and we are here to provide guidance in these times. Whether it’s a visitor injured on your property, spray drift affecting a neighbouring crop, or damage caused by your contractors, liability cover helps shield your business from costly legal claims and compensation demands. Commonly covered expenses include legal defence costs, third‑party property damage, personal injury claims, and settlement payouts. As a local brokerage, we understand the unique risks faced by growers and producers in this region and tailor policies that reflect your operational realities.