What you need to know
Rural and agricultural insurance has changed significantly in recent years. New insurers have entered the market, competitive options have expanded, and the products now available to farming businesses and lifestyle property owners are considerably broader than what has historically been on offer. Stainton & Co. keeps close to this evolving market and accesses a range of options that many clients are unaware exist.
Whether you run a working farm, a rural business, or a lifestyle property, we review your full exposure and go to market across both established and newer participants to ensure you are accessing the most competitive and appropriate cover available. The days of limited choice in rural insurance are changing.
What we help with
A comprehensive rural and agricultural insurance programme, designed to protect your farm buildings and improvements, livestock, farm vehicles, and rural liability — ensuring your land, assets, and livelihood remain secure against the full range of risks that come with farming and lifestyle property operations in New Zealand.
What's generally covered
Farm Buildings & Contents
Covers farm buildings, sheds, and their contents including equipment, tools, and stored product for fire, weather, accidental damage, and other insured events.
Livestock
Covers death, accidental injury, and emergency slaughter of livestock. Cover can be structured by species, by value, or on a blanket basis depending on the farming operation.
Rural Motor & Vehicles
Covers tractors, farm vehicles, and rural-use vehicles for physical damage and third-party liability. Includes machinery used on the property and on public roads.
Rural Liability
Covers legal liability arising from the farming operation for bodily injury or property damage to third parties. Includes public liability and can extend to agritourism and farm stay operations.
Crop & Revenue
Covers loss of crop or farm revenue following an insured event. Cover options vary by commodity and farming type speak with us about what is available for your specific operation.
Lifestyle Property
Lifestyle property owners now have access to competitive insurance options that go beyond standard home and contents policies. Cover can be structured to reflect the mixed residential and rural use of lifestyle blocks, including small-scale farming activities.
Employers Liability
Covers legal liability to farm employees and seasonal workers for claims that fall outside of ACC including common law damages claims. Essential for any farming operation with paid or seasonal labour.
Machinery Breakdown
Covers irrigation systems, dairy plant, harvesting equipment, and other critical farm machinery for mechanical and electrical breakdown.
The rural insurance market is evolving. If you have not reviewed your rural programme in the last 12 24 months, there is a reasonable chance you are paying more than you need to or missing cover that is now available. Get in touch with us to find out where you stand.