If you operate a farm, you'll know better than anyone that a farm faces unique challenges that no other businesses out there face. That's why there is specially designed rural insurance to help you protect yourself from the risks associated with maintaining and running your farm. With a rural insurance policy, you can be covered from damage to buildings, loss or theft of contents, as well as damage to machinery and vehicles. Your legal liability will also be covered from any injury or damage. Policies can also include protection for loss of profits or production, and interruption to your rural business.
Your policy can be specific or broad and can cover any of the following types of rural insurance:
Highly recommended for agricultural farms, or those
practising horticulture. Protects you from costs associated
with damage to your farm buildings, machinery and contents.
Your greenhouse will be covered as well as costs of growing
the plants within.
If your production or your farm as a
whole would shut down if important infrastructure (eg.
milking sheds) were to be damaged, this is the option
for you. This insurance will cover you from lost
turnover and will also pay extra wages that you need to
maintain production manually. There is a number of
optional extensions that can be attached, including
natural disaster cover and electrical breakdown
Covers your essential high value value animals for
death, injury and fertility. Additional options are also
available to extend your insurance to cover working
dogs, horses, transit and livestock herds.
A specially designed rural insurance policy that will
give your family assurance that your income will
continue if you are brought low by injury, accident or
ill health. This can be extended with other risk
policies such as total permanent disablement, trauma
insurance and medical cover. For more information on our
personal risk policy services, visit our risk insurance
partners at Spratt Financial
Protection for stock and produce that is kept under refrigeration on your farm. If your refrigeration suffers failure and you lose your precious stock, with this insurance your costs will be completely covered. This can also be extended to include protection for genetic material.
If you require any one, or a combination of these rural
insurances, we can design a package for you that will
fit your needs at the most competitive price. We also
offer you unmatched support including a support staff on
hand for any form of assistance you need, as well as
claims management during your most stressful times.
Don't hesitate to contact Hood
Insurance Brokers for more information anytime.
We'd be proud to go to work for you.