Rural

The cover available under the rural insurance umbrella extends across a wide range of industries within NZ. The insurance industry has responded by providing solutions to suit individual situations such as appear below.

Farm Assets

This section includes cover for farm buildings, plant and contents along with covers for items such as livestock, farm dogs, hay & grain, woodlots, and contamination of milk.

Farm Vehicle Insurance

This section provides cover for full accidental loss or damage to farm vehicles and provides benefits such as:

• Unspecified vehicle drawn implements and trailers
• Entanglement for tractors and headers
• Tyre damage on tractors
• Goods in transit

Machinery Breakdown and Spoilage

This protects you should an irrigation pump or large chiller/freezing unit breakdown due to fusion or accidental damage. Cover can be taken for any resultant spoilage of frozen or refrigerated goods following the breakdown.

General Liability

This covers your legal liability for damage to other people’s property and includes:

• Exemplary damages
• Forest and rural fires

Employers Liability

As an employer this covers your liability for any injuries suffered by employees in the course of their employment should that cover not be provided under the current ACC legislation.

Statutory Liability

This 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 and Safety.

Personal Disability or Accident and Illness

This includes a number of “limited cover” options providing:

• 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 comprehensive cover in each of the following areas:

• Life insurance
• Trauma cover
• Total and permanent disability cover
• Income protection insurance
• Health insurance