These policies are designed to protect the needs of those owning either a hobby farm or a working property. Following are general details of the types of cover that are available under a farm or rural insurance policy.

> Home Property <

This covers your buildings and or contents for either defined events or accidental loss or damage and provides a number of automatic additional benefits.

> Farm Property <

This covers Farm Property for physical loss or damage caused by Defined events such as fire, storm and tempest, etc. Theft of farm property is not covered under this section.

> Farm Machinery <

This covers farm machinery for physical loss of damage caused by Defined events such as fire, storm and tempest, etc. Theft of farm machinery is not covered under this section.

> Theft <

This covers theft of your farm property or farm machinery or other specified items from your farm property.

> Hay, Fencing, Livestock and Farm Trees <

This provides cover for fire, and other defined events (excluding theft).

> Business Interruption <

This section provides cover to you if your farming business in interrupted.

> Liability <

This covers you for amounts you are legally liable to pay as compensation for Personal injury and/or Property damage occurring as a result of an occurrence in connection with your farming business.

> Machinery Breakdown <

Cover is provided for machinery against breakdown caused by sudden & unforeseen physical destruction or damage. It also can provide cover for pressure equipment such as boilers against collapse and explosion. Cover can also be provided for deterioration of goods in cold chambers following the breakdown of the machine.

> Personal Income <

This provides for payment of a set percentage of the Capital Sum Insured if the Insured Person suffers from an injury resulting in a defined event, and/or a weekly benefit for Temporary Total Disablement as a result of a Defined Event or sickness or a Temporary Partial Disablement as a result of a Defined Event.

> Road Transit <

This covers for loss or damage to goods while in a conveying vehicle on land caused by one or more of the Defined Events.

The above information has been generalised. Full details of the cover provided under each type of cover and their exclusions, conditions, additional benefits and definitions are available in the full business/commercial insurance policy. A policy wording is available to on request.

If you would like further information in regards to this product, or a proposal form, please contact us here or phone 02 4954 3655.

This information provides general advice and therefore it has been prepared without taking into account any of your personal objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of this advice and obtain a Product Disclosure Statement