Farm Assets
Comprehensive Cover for the Assets Behind Every 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.
Farm asset insurance is designed to protect the backbone of your rural operation - from buildings and sheds to machinery, vehicles, and essential equipment. These assets are critical to keeping your farm running smoothly, yet they are constantly exposed to risks such as fire, theft, storms, and accidental damage. With tailored cover, you can safeguard everything from tractors and irrigation systems to storage facilities, fencing and animal feed, ensuring that unexpected setbacks don’t compromise your productivity or financial stability. As a brokerage, we work with you to identify the unique assets on your property and match them with the right protection, giving you confidence that your investment in farming infrastructure is secure.
Safeguard your investment in farming infrastructure - speak with us about farm asset cover.
What it is and why you might need it
Farm asset insurance is an important safeguard for long‑term financial stability, protecting the buildings, equipment, and infrastructure that keep your operation productive. Because coverage limits, exclusions, and excesses vary between insurers, it’s essential to review the fine print to ensure your policy genuinely reflects the scale and nature of your farm.
Most policies require:
Accurate and up‑to‑date asset registers, including buildings, machinery, tools, and equipment.
Regular maintenance, ensuring sheds, workshops, and infrastructure remain in good working order.
Appropriate security measures, such as locked storage, alarms, or fenced areas for high‑value items.
What farm asset insurance typically covers:
Farm buildings and structures, including sheds, workshops, storage facilities, and shearing sheds.
Machinery and equipment, such as tractors, harvesters, irrigation systems, pumps, and tools.
Fixed infrastructure, including fencing, yards, raceways, and essential utilities.
Weather and disaster‑related damage, including fire, storms, lightning, and other natural events.
Theft, vandalism, and malicious damage, protecting high‑value items stored on the property.
Accidental damage, including incidents involving vehicles, machinery, or on‑farm operations.
Business interruption extensions, depending on the insurer, to help cover lost income following major asset damage.
How claims are typically handled:
When an insured asset is damaged or destroyed, the policy may provide replacement, repair, or indemnity value, depending on the cover selected. Some insurers also include emergency call‑out allowances or temporary equipment hire, helping farmers stay operational while repairs are underway.
Example scenario: A fire breaks out in a machinery shed, destroying tractors, tools, and stored equipment. Farm asset insurance covers the replacement of the damaged machinery and the repair of the shed, allowing the farmer to restore operations without carrying the full financial burden.
As a brokerage, we work with you to identify the unique assets on your property and match them with the right protection, giving you confidence that your investment in farming infrastructure is secure. Whether you’re a large‑scale sheep and beef farmer or a small‑scale lifestyle block owner, our team is here to help you protect your assets against the unexpected.
Here’s how we help
We listen first. We take the time to understand your business model, your goals, and your pain points.
We tailor your cover. From retail to trades to tourism, we build policies that reflect your actual risks — not generic templates.
We advocate for you. If you need to make a claim, we’re right there with you — 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.