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Rural insurance

Rural insurance

There are unique risks that come with working on the land with machinery, livestock and people.

Your success is dependent on your farm or agribusiness operating smoothly. When something unexpected happens, your business depends on quick, effective solutions. For fire, flood, theft, and everything in between we have your rural insurance needs covered. We work directly with you on the farm to protect the things that matter most to you, your family, your staff, your future.

What rural insurance covers

Our rural specialists work with you to create a personalised, cost-effective insurance package to meet your needs; to protect the things that matter most to you. No two farming operations are the same and that's why our agribusiness insurance policies are tailormade each time. 

We can provide for a broad range of risks including:

  • Home and contents
  • Farm assets and buildings including fences, gates, railings, yards
  • Motor vehicles, motorbikes, quad bikes, planes, choppers, pleasure craft and motorhome
  • Livestock, including farm dogs and working horses, for injury, theft and death
  • Milk cover including penalties/demerits
  • Meat contamination cover
  • Machinery breakdown
  • Business interruption with extensions for gross profit, increased costs of working, claim preparation costs
  • Liability

Our rural insurance solutions are designed by us but fine-tuned by our rural clients to ensure they stay relevant for your current and future insurance needs.  Whatever your business risks, our specialist brokers work with you to tailor products that protect you and your farm. 

Crombie Lockwood-Vero rural insurance package

The Crombie Lockwood-Vero rural insurance package  is a comprehensive cover facility that has been developed to:

  • Combat underinsurance
  • Provide the best overall policy coverage
  • Be flexible, by providing options so cover is tailored to your needs
  • Manage your insurance overheads

The package includes liability, assets and business interruption cover, home, contents, motor and pleasurecraft. Contact a broker to discuss what cover is right for you.


Best Doctors

Best Doctors is a medical information service and resource provided to rural insurance policy holders. It provides free access to specialist medical advice via phone and online.

Farm Cover - specialist cover

Offered through Farm Source outlets, Farm Cover is our specialised farm insurance solution for dairy and drystock farmers.


Our rural specialists

We have a team of dedicated rural insurance brokers that operate across the country.

Our job is to understand the risks and challenges you face as an agribusiness, farm owner or operator and provide you the right cover. We are locally based so we can be there when you need us, on the farm or on the phone.

We work alongside you to regularly review your cover, ensuring it still works for your business as it changes, and come claims time we are there as your advocates.


Working together to protect what matters

Our specialist brokers work with you to find the right insurance solution for your business risks.