Stock, sheds, machinery, homes and liability. We arrange rural cover for Southland and Otago farmers, with brokers in Invercargill, Gore, Balclutha and Dunedin who know the country you’re farming.
Six areas of business cover, arranged together or separately. Not sure which you need? Your broker will map it out with you.
Also known as Material Damage cover
Cover is provided for all assets such as buildings, contents, plant, equipment, fences, underpasses, culverts, bridges, hay, wool, seed & grain and the like.
Protection is usually for losses caused through fire, flood, burglary, theft or natural disaster.
Extensions are available to cover milk for contamination, spoilage or non-collection.
Motors, plant and refrigeration
Cover is provided for breakdown, excluding normal wear and tear, of all types of machinery from small electric motors to refrigeration plant to boilers and pressure vessels.
Business Interruption cover
Also known as Business Interruption insurance. This can include cover for gross profits, wages and salaries, additional increased costs of working, claims preparation costs and other financial loss caused by a loss covered under the Rural Assets policy, such as a fire.
Protection is also available for Machinery Breakdown loss of profits, covering profits lost due to the breakdown of specified machinery.
Tailored to your farming activity
Various liability policies are available, tailored to your rural business activities. See the Liability cover sections for further information on the types of cover available.
Farm vehicles and mobile implements
Provides cover for your farm vehicles and mobile implements. Protection can be Full Comprehensive, Third Party Fire & Theft, or Third Party Only.
Extensions are available to insure accidental loss to the tyres of farm vehicles, and for ingestion of foreign bodies.
Stock, working dogs and horses
Various types of cover are available for your livestock, as well as working dogs and horses. This can include accidental death, death due to disease or illness, intentional slaughter, and theft and escape.
Anything not listed above
IBA can cover almost all parts of a rural operation. If what you need isn’t listed here, talk to your broker and we will arrange it.
Brokers across our four offices who specialise in Rural & Farm Insurance. Call them directly or ask for them at your local office.
Tell us a little about what you need and a local broker will come back to you with options.
Because we work for you rather than the insurers, you get straight answers and accurate pricing.
