Whilst we can’t help with the impact of such things as long, hot, dry summers on year-round feed supplies, we can help you minimise the impact of many other challenges by providing financial protection for your farm assets, livestock, feed and produce, whether that be milk, meat, eggs or your prize breeders

Consistently good crop production is a challenge and there are a number of risks such as climate change that you can’t control.  But you can implement protective measures such as hail and frost protection and windbreaks, to reduce the impact

Adequate financial protection is another important way to manage and reduce the impact of many of the risks your business faces.  This may be a fire in your packing shed, accidental damage to your cherry picker, machinery breakdown of your plant or machinery or an alleged breach of your legal responsibility under the Resource Management Act

The Kiwi wine industry is a real success story. Having overcome many early challenges and biases, and employed creative and innovative methods of wine-making, we now produce some of the finest wines in the world

Many of the challenges remain today – soil conditions, weather patterns, staffing, the strength of the New Zealand dollar to name but a few. Insurance isn’t one of them

We can provide financial protection that meets the many needs of your business processes from vine to cellar to table, and that minimises the impact a fire or an alleged breach in legislation may have on your business

As a contractor, you play a big part in the constant maintenance of land, so that it remains arable. Your role may cover planting, harvesting, bailing, hedge or shelter belt trimming, fertilizing, fencing, drenching or spraying.  Whatever service you provide, you need financial protection against accidents that lead to property damage, both yours and others, as well as the impact accidental damage to that property may have on your income. We can also help you protect against alleged breaches of your legal responsibilities

Your assets will vary significantly and represent a significant investment. You need financial protection to assist with the repair or replacement of your assets should they suffer accidental loss or damage from a variety of causes

Assets like:

• Product – milk, wool, meat, velvet, eggs, honey, wine, fruit, vegetables
• Crops – fire, lightning, impact, weather events, landslip, eruption, malicious damage
• Livestock – loss, loss of use, vet fees
• Accidental loss or damage to owner’s home/contents, farm workers’ accommodation
• Farm buildings, fencing, 'pumps' irrigators, silos, bridges
• Vehicles
• Machinery and plant

Loss of income caused by any interruption of production means you can be caught short. You need cover to manage your risk, ensure you can pay staff and maintain essential production until your farm is fully operational

Worker accident, spray drift, milking shed damage, animals on the loose, water contamination… just a few of the potential liabilities with statutory obligations. The right cover protects your employees, community, shareholders, customers and the environment, owners, directors and trustees