Rural Insurance

Today’s farming operations are becoming more complex, and so too is farm succession.

Farming is a demanding and unpredictable profession. From the physical risks of manual labour to common health threats, your ability to work directly impacts your farm’s productivity. Our insurance plans are designed to safeguard your livelihood, ensuring that your farm continues to operate smoothly even in the face of illness, injury, or death.

Succession planning is more than just preparing for retirement—it’s about securing the legacy of your farm for generations to come. In rural New Zealand, farms are often family-built assets, passed down with pride and purpose. But life can be unpredictable. Illness, injury, or an untimely death can disrupt even the most well-laid plans, placing financial strain on your family and jeopardizing the future of your land.

Shareholder Protection

Cover for an essential shareholder if they are no longer part of the business due to death, illness, or disability.

Shareholder insurance is a critical form of protection for businesses that rely heavily on one or more key individuals. This insurance helps ensure the continuity and stability of the business in the event that a significant shareholder or key person can no longer fulfill their role due to unforeseen circumstances such as death, serious illness, or permanent disability.

Debt Protection

Cover outstanding business loans or debts if a key individual who was essential to repaying these debts is no longer able to do so.

Business debt protection insurance is designed to help businesses manage their financial obligations in the event that a key person is no longer able to contribute due to death, illness, or disability. This insurance ensures that the business can repay its debts without jeopardising its financial stability.

Succession Planning

A personalised succession plan to support generations to come.

Farms are often passed down through generations, but unexpected events can disrupt this legacy. Our succession planning services help ensure that your farm remains in the family, even if you are no longer able to work. We address potential issues such as:

Debt levels leading to forced sales.
Inability to pass the farm on due to life stage.
Financial constraints preventing the hiring of a farm manager.
Children being unprepared to take over the farm.
The need to sell the farm if children prefer a financial payout.

A robust succession strategy, supported by the right insurance cover, ensures your farm remains viable and within the family, no matter what challenges arise

Key Person Protection

Business continuity and stability if a key person is unable to work.

Business key person insurance, also known as key man insurance, is a type of insurance policy that provides financial protection to a business in the event that a key individual essential to the company’s success becomes unable to work due to death, critical illness, or disability. This insurance helps ensure the business can continue to operate smoothly during challenging times by providing the necessary funds to manage the impact of losing a key person.

Group Benefits Insurance

Stand out in the job market with extra benefits for your employees.

Workplace benefits insurance can be a comprehensive package of insurance policies and perks provided by employers to their employees.

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