Farm Machinery
Tailored cover for the essential tools and machinery your farm relies on every day
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. With that comes a reliance on machinery and equipment that keeps every operation moving. At C&R Brokers, we understand the essential role these assets play, as well as the risks they face in tough rural environments. That’s why we help farmers secure tailored machinery insurance solutions designed to protect what matters most. Farm machinery cover is built for those who live and work on the land, offering protection for the tools, vehicles, and equipment your operation depends on every day. Whether you run a high‑country station, a vineyard, or a lifestyle block, machinery insurance helps safeguard your productivity and livelihood when the unexpected happens.
Keep your equipment running and your operation productive. Let’s secure the right cover
What it is and why you might need it
Farm machinery and vehicles are essential to keeping rural operations productive, from tractors and harvesters to irrigation and pump systems. Farm machinery insurance protects these assets against a wide range of risks, helping ensure your operation can recover quickly when equipment fails or is damaged.
What farm machinery insurance typically covers:
Weather damage and natural disasters, including storms and other severe events.
Theft and vandalism, protecting high‑value machinery from intentional or opportunistic loss.
Accidents and transport incidents, whether machinery is used on‑farm or moved between properties.
Mechanical breakdowns, with some policies extending to urgent call‑out costs and repairs.
Together, these protections safeguard the machinery that keeps your farm running and your income flowing.
Key considerations when choosing cover:
Coverage limits, exclusions, and excesses vary between insurers, so reviewing the fine print is essential.
Many policies require accurate machinery records, regular servicing, and appropriate security measures for cover to remain valid.
Our brokers work with trusted rural insurers to tailor protection to your specific equipment and farming needs.
Why fast claims support matters:
Your machinery and vehicles keep your operation moving, and urgent issues — especially those affecting water supply — can’t wait. That’s why we act quickly on claims, meeting you face‑to‑face and prioritising what matters most. Farm machinery insurance ensures your operation won’t stall when the unexpected happens, giving you confidence that your essential equipment is protected year‑round.
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.