Cover for contents you use for your farming operations. Includes items like fencing equipment, tools, sprays, animal feed and generators.
If you have baled hay or farm milk, you’ll need to specify these on your policy for cover.
Covers your contents if they are damaged or destroyed by a sudden, unintended and unforeseen event, or if they’re stolen.
There’s also the option of limiting your accidental loss cover to the causes noted in the policy. Check out the policy wording for a list of these defined events.
Covers up to $10,000 for reasonable additional costs to continue running your farm if there’s a disruption following a loss to your farm buildings or contents. If a higher level of cover is needed talk to us about our Business Interruption policy.
Your farm animals are insured for accidental death or if they need to be put down as a result of a vehicle accident while they’re being transported. This also includes accidents while the animals are being loaded or unloaded, or if they fall from the vehicle.
We’ll cover up to $3,000 if your frozen or perishable dog food, semen straws, animal vaccines or animal health products are spoiled after a change in temperature of your refrigeration or temperature controlled unit. If a higher level of cover is needed talk to us about our Refrigerated Goods policy.
Covers your milk in the vat for contamination or spoilage caused by an accident to your refrigeration machinery, or a sudden power failure. This also covers penalties you receive because your milk was contaminated, spoiled or subsequently dumped.
Covers you for non-collection of milk from the vats if a natural disaster, storm or flood, has caused damage nearby that’s preventing access to your farm.
Cover for damage to your farm contents caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or landslip.
Covers your loss of profits up to $10,000 for interruption to your farming operations if damage to property, roads or bridges nearby is preventing access to your farm.
Repair or replacement of your farm contents to the same condition as when they were brand new.