Rural
Insurance

Insurance that protects your whole operation.

We support farm, orchard and agribusiness clients with insurance that's designed to future-proof their businesses and enable growth, including our market-leading Rural Management Liability solution, AgriCover+.

broker and rural client talking on farm
watering machine for farming

We understand that there are endless ways that your operation differs from others in your industry, and we have decades of experience working alongside rural clients - so we know what it takes to succeed in what can be a challenging business environment. We take the time to walk the farm, understand every aspect of your business, and make sure the cover we recommend is right for you, down to the last fencepost.

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Our Services
Our Services
Our Services
Our Services
Our Services
Our Services
Our Services

AgriCover+

AgriCover+ is the first and only rural insurance package of its kind in New Zealand. It’s designed to go above and beyond standard offerings to strengthen protection across all aspects of farm or agribusiness, from civil and statute liability to Directors and Officers liability. Whether you’re involved in the day-to-day operations, or as an investor or trustee, AgriCover+ gives you confidence that you’re protected.

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Supporting rural innovation

The fast-changing legislation that governs New Zealand’s primary industries is the driver behind some of the world’s most innovative agricultural and horticultural operations. We’re proud to support our rural clients, many of whom are industry leaders in their own right, with innovative insurance solutions that future-proof their organisations and enable growth.

Rural cover

Farm assets

Think about everything you use on a daily basis and everything stored in your shed or in the yard; would you be able to run your business if they were gone tomorrow? At the height of the season you need these replaced ASAP. We can develop tailor-made cover that protects your assets following  a loss. This can include everything from plant to buildings; from the smallest pump shed to a large scale dairy shed and everything in between.

Rural motor

Whether you're shifting cows on the AG100 or harvesting crop in the latest header, we’ll assess all your rural vehicles and mobile plant to create the best cover. Then each year we will assist in keeping track of these vehicle values. With the current sophistication of farm machinery it's vital to have the right insurance to protect each farm vehicle.

Home & contents

It's really important to have the right cover for your homestead and worker's cottages. We can customise a robust plan around replacing your home and contents.

Livestock, studstock, equine and farm dogs

From protecting the herds and flocks in the paddock, to your stud stock and working dogs. We also have specialist markets available for standardbred and thoroughbred horses (including Polo ponies to showing and hunting horses). Cover can be extended to include vet expenses, infertility, and transportation.

Rural liability

Farming is an industry that comes with unique liability risks, from your stock on the road to a fire escaping your property and causing damage to the neighbour. In addition the current focus by the Workplace Health and Safety regulator on the sector brings a real need to have robust cover in place. We can help in advising you on this important part of your farm insurance programme.

Who do we support?

Sheep & Beef

Your farming operation isn’t just about the number of stock units on your farm, there are endless ways that your operation is unique. Your broker will come out to the farm, learn about your day-to-day, assess your risks and recommend the appropriate and most cost-effective cover.

Dairy

We understand that dairy farming is a lifestyle, more than a job - and it's a 24/7 labour of love that comes with its own challenges. Those challenges shouldn’t include worrying about insurance. We can provide a comprehensive package with specific cover for your farm and milk solids, as well as dairy shed systems and equipment.

Orchards & Arable Crops

Growing and harvesting crops comes with significant risks, often relying on the weather going your way. Since the risks are high, insurance can help ease the worry. We have access to specialist insurance crop cover that's uniquely designed to cover your operation.

Wineries & Vineyards

From planting through to bottling, we can protect everything that goes into a great vintage. From cover for a commercial best-seller to a boutique drop, we can work with you to create the cover you need.

Rural Transport & Supply

When your business supports New Zealand's primary sector, an unexpected loss doesn't just slow you down, it also impacts your customers. Get back up and running as quickly as possible with plant, vehicle and business interruption cover.

Working with Forest Lodge Orchard

February 25, 2025
OPERATION GROWTH

Forest Lodge Orchard is the world’s first 100% electric, zero fossil fuel orchard. Owners Mike & Rebecca Casey were determined to create a pioneering operation that paves the way for other business owners looking to shift towards more sustainable practices.

Read Case Study

Find out how we can be stronger together

As your insurance partner, we're your advocate at claim time, the expert in your corner, and a safe pair of hands for your operation. Learn more about how we can support your business by booking a chat with one of our Christchurch team.

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