Rural
Practical, locally informed protection for every part of your rural operation
Life in Central Otago is shaped by the land - rugged hills, sweeping plains, and the hard work of those who farm, grow, and live rurally. At C&R Brokers, we understand that rural life comes with unique risks and responsibilities. That’s why we offer tailored rural insurance solutions to protect what matters most. Rural insurance is a specialised form of coverage designed for those who live and work on the land. Our team is ready to go beyond standard property or vehicle insurance by addressing your specific needs. Whether you manage a high-country station, a vineyard, or a lifestyle block, rural insurance helps safeguard your livelihood against the unexpected.
At Commercial and Rural Insurance Brokers, we’re not just insurance brokers - we’re part of the Central Otago community. Our team brings local knowledge, industry expertise, and a genuine commitment to helping rural clients thrive.
Protect your land, your assets, and your livelihood — talk to C&R about the right rural cover.
Rural insurance can cover a wide range of assets and risks, including:
Farm buildings and infrastructure - such as sheds, packhouses, fencing, water systems, and silos. Be protected against natural disasters and operational mishaps, so you can get the job done.
Machinery and equipment - including tractors, harvesters, frost protection devices, quad bikes, and tools. Having cover gives you the confidence that no matter what happens, you can get on with your season.
Livestock and produce - protection against theft, illness, accidents, or natural disasters. Insuring your livestock not only protects you financially in the case of total loss, but gives you the financial freedom to invest in rehabilitation.
Business interruption - coverage for lost income due to unforeseen events. Even if your income stream is in jeopardy, know that financially your operations won’t suffer.
Public and personal liability - protection if someone is injured or property is damaged on your land. If someone is injured or property is damaged, you may be held legally responsible. Rural insurance helps cover the costs of claims and compensation, giving you financial protection so you can stay focused on running your operation.
Here’s how we work:
We listen first. Every farm and rural business is different. We take the time to understand your property, your operations, and your priorities.
We tailor your cover and build insurance solutions that reflect your actual risks and needs.
We advocate for you. If you need to make a claim, we’re in your corner — helping you navigate the process and get fair outcomes.
We stay connected. As your business evolves, we’re here to review and adjust your cover so it keeps pace with your growth.