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Rural Insurance
" we have you covered from seed to harvest "
Working in the rural sector comes with a unique set of risks.
Rural Insurance is vital in protecting your assets and liabilities. It is important because it provides coverage against damage to your Property (Farm Buildings, Farm Machinery, Tools, and Vehicles) and can also include losses due to Business Interruption and Legal Liabilities. Rural insurance is recommended for anyone who is running a business in Farming, Agriculture or Horticulture as well as non-Commercial Property owners.
Building & Assets
Rural building and assets insurance covers buildings, machinery, plant, and equipment. Your policy can cover a wide range of losses for any sudden, unforeseen and accidental damages including natural disaster. Building and asset protection is vital as it may cover the cost to rebuild or replace your building and assets if an unexpected accident or disaster occurs
Business Interruption
Rural business interruption insurance provides coverage for rural businesses in the event that they are forced to suspend operations due to an unexpected event. Your policy can cover a wide range of losses such as loss of income, staff wages, extra expenses incurred during the interruption and the relocation of the business temporarily . It is an important tool for businesses in rural areas in manage risk and protect financial stability
Livestock & Animals
Rural livestock insurance is designed to protect farmers against financial loss resulting from the death or injury of their livestock. It provides coverage for unexpected events such as disease outbreaks, accidents or natural disasters that can result in the loss of valuable livestock. Livestock is often a critical source of income, making livestock insurance an essential tool for managing risk and protecting financial stability
Farm Machinery
Rural farm machinery insurance protects the machinery used in agricultural activities from various risks. It covers the repair or replacement costs of the machinery in case of damage or loss caused by events such as fire, theft, collision, vandalism or mechanical breakdown. Rural farm machinery insurance also provides liability coverage for the legal expenses and compensation claims arising from the use of the machinery
Rural Liability
Rural liability insures you for any legal liability to the property of others or accidents in connection with your rural farm or business. This means you might be covered for legal defence costs if anyone is injured or property is damaged, due to your farming operations. Liability cover options are available to those who own and operate rural business, as well as non-commercial farm owners
Motor Vehicle
Rural motor vehicle insurance provides cover for your farm vehicles and mobile implements that may not be covered under a standard vehicle policy. It can cover accidental loss and damage to your farm trucks, tractors and other motor vehicles used on your rural property
