RURAL INSURANCE
Protecting Your Farm
Navigating the challenges of working on a Farm alongside machinery, livestock, and workers presents its own set of unique risks. At The Advisers, we partner with farms all across the country to tackle these challenges head-on and provide prompt assistance in getting operations back on track after any unexpected setbacks.
Agri-Business Insurance
If you’re a farmer and need Farm Insurance, your land and assets are your lifeblood. We specialise in solutions that can protect what matters to you, it’s not just your plant and equipment it is also your Milk from contamination or deterioration, your machinery breaking down, your animals and animal feed. From the paddocks to the cowshed we have your rural insurance needs covered.
Business Interruption Insurance
Our experienced Advisers specialise in crafting Business Interruption insurance that is designed to meet the specific needs of farmers, growers, and commercial businesses. This coverage is aimed at helping you navigate the financial challenges that arise from major losses to your operations, allowing you to sustain your income and minimise any potential gaps. By having Business Interruption cover, you can work towards getting back on track and ensuring that your employees are taken care of as well as your bottom line.
Asset Insurance
Commercial property and assets insurance is like home and contents insurance for your business. Without it, you open your business to significant losses if you’re hit by a disaster, theft, or equipment breakdown. Managing risk includes maintaining equipment so it works reliably and keeping your premises secure from thieves and vandals. But, despite your best efforts, things can and will go wrong. Whether it’s an earthquake, a fire, a flood, or a criminal act, your business can never be 100 per cent safe from disaster. So, the important thing is to make sure you’re covered if the worst should happen.
Rural Liability
Safeguard your farming business with our tailored business liability insurance designed specifically for farmers. Our comprehensive coverage shields your operations, assets, and provides financial protection against unexpected events.
From farming equipment to livestock and crop operations, your business faces unique challenges and risks. Our insurance addresses these risks, offering peace of mind and protection.
Our policy covers a wide range of scenarios, including accidents on your property, product-related claims, and environmental incidents. You’re protected against legal and financial repercussions.
We understand that every farming business is unique. Our experienced team customizes coverage to suit your specific needs. We assess your farm, identify risks, and provide a tailored insurance plan for the best protection.
In the event of a claim, our dedicated claims team ensures a smooth and efficient process. We support you throughout, so you can focus on running your business.
FAQ's
Farm insurance can be tailored to cover your buildings, houses, plant and machinery, livestock, feed, fencing and more. For dairy farms, it can also cover milk lost to contamination or deterioration. From the paddocks to the cowshed, we’ll build a policy around how your farm actually runs.
Yes. Livestock cover can protect against death or loss from events like accidents, natural disasters, fire and theft, depending on the policy. We can also look at specialist cover for high-value or breeding stock.
Machinery breakdown cover can help with repair or replacement costs when key equipment fails. Paired with business interruption cover, it can also help make up lost income while you get back up and running.
If a major loss disrupts your operation, business interruption cover helps you keep income coming in and meet ongoing costs — including looking after your staff. We design this cover specifically for farmers, growers and rural businesses.
With visitors, contractors, livestock and machinery all in the mix, it’s well worth having. Rural liability can cover accidents on your property, product-related claims and some environmental incidents. It protects your farm business from legal and financial fallout.
Yes, a lifestyle block usually needs a different kind of policy from a commercial farm. It can combine your home, contents, outbuildings, fencing, small machinery and a few animals in one. Check out our Lifestyle Insurance page for more.
We like to understand your operation properly, and a farm visit is often the best way to do that. Give us a call on (06) 769 5186 and we’ll find a time that works around your season.