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Rural insurance
Comprehensive rural insurance to protect your farm, home and livelihood
Working on the land with machinery, livestock and people comes with a unique set of risks.
We work with farmers throughout the country to mitigate these risks and help get operations back up and running as quickly as possible after something unexpected happens.
What rural insurance can cover
We can arrange cover for a broad range of risks including:
- Farm buildings and assets including fences, gates, railings, yards
- Milk cover including penalties/demerits
- Livestock, including farm dogs and working horses, for injury, theft and death
- Meat contamination cover
- Machinery breakdown
- Business interruption covering loss of gross profit and staff wages
- Legal liability for third party property damage or bodily injury
- Motor vehicles, motorbikes, quad bikes, planes, choppers, pleasure craft and motorhome
- Home and contents
Rural insurance solutions
Gallagher-Vero rural insurance package
Gallagher partners with Vero Farm & Lifestyle Block Insurance to protect rural businesses against unexpected interruptions. Our rural property insurance package includes:
- Liability and defence costs
- Farm assets such as buildings, fences, sheep, working dogs, cattle yards, shelter belts, irrigators and animal feed
- Business interruption to protect farm income
- Farm machinery breakdown, including hire costs while awaiting the replacement or repair of equipment
- Home and contents
- Motor vehicles, such as quad bikes and tractors
- Pleasurecraft
Rural insurance policy holders also receive membership to Vero Teladoc Health services. This service gives you and your family free access to specialist medical advice via phone and online.
Gallagher partnership with Ag Guard
We’ve partnered with Ag Guard, a specialist rural underwriting agency backed by NZI to offer our clients even more competitive rural solutions. The Ag Guard Rural insurance proposition includes cover for commercial farms, lifestyle farms and pipeline products such as livestock and tailored rural offers.
Farm Cover
Farm Cover is Gallagher's special scheme for dairy and dry stock farming businesses and is available exclusively to Farm Source customers.
Rural insurance specialists
We have a team of rural insurance brokers across the country who understand the risks you face as an agribusiness.
Our rural insurance brokers work alongside you to regularly review your cover, ensuring it still works for your business as things change.
Contact one of our specialist rural insurance brokers to discuss the right cover for you. Whether you run a small farm or a big agribusiness, Gallager’s team of local experts can provide the insurance cover you need.
