What we cover
Farm insurance is vital because your farm is your home but also your business. And as with any other business, you need to safeguard your essential assets and protect yourself against legal liabilities. That’s why NZI has partnered exclusively with Ag Guard to reimagine agriculture insurance in New Zealand. Ag Guard is a technology led rural insurance underwriting agency that provide smart systems to drive efficiency while offering tailored rural insurance solutions.
Contact your insurance broker to find out more.
Rural insurance for anyone running a business in agriculture or horticulture. This policy protects you against damage to farm buildings, their contents and machinery. It also covers fences, culverts, animal feed and bridges. For horticulturists, we cover your greenhouse and the cost to date of growing the plants.
Important cover for rural businesses, particularly where farms would shut down if essential infrastructure like milking sheds were lost. This insurance covers the reduced turnover and increased working costs resulting from an unexpected interruption to your business. You can also cover costs that continue when the income stops - such as wages, interest and rates.
Covers costs of vehicle repair and replacement following loss or damage. NZI's specialist motor assessors help reduce delay and disruption when your cars, trucks, tractors and harvesters and other associated farm vehicles are not available. This policy also covers your legal liability for damage or injury damage you cause while using your vehicle.
Farming activity entails risk of damage or injury to other people's property or person. Liability insurance is essential to cover legal liability for negligence and the increasing exposures to statutory liability that farmers face. The cost of liability claims can risk the farm and liability insurance is an essential cover.
Covers accidental breakdown of the motors, surface pumps, submersible pumps and other machinery you need to run your farm. Machinery breakdown cover can be arranged for all machinery on your farm.
Cover for agricultural produce that farmers keep under refrigeration. This policy covers refrigerated goods that have deteriorated as a result of the refrigeration machinery failing. You can also extend it to include cryogenic storage of genetic material, such as semen straws and embryos.