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Rural insurance

Farm Cover

Farm Cover is Crombie Lockwood’s special scheme for dairy and drystock farming businesses and is available exclusively to Farm Source customers. Farm Cover is underwritten by Lumley Insurance and fully endorsed by Fonterra Farm Source.

With Farm Cover you can get blanket cover of $1m or more. That means you’re not limited to a schedule of assets or specified amounts of cover. You don’t have to worry about unspecified buildings, valuation choices or measuring every single shed and counting every shovel.

Vehicles, houses and their contents on the property are included, and we can even include your holiday home or boat.

To keep things simple, you can pay your premiums monthly via your Farm Source account at no additional cost.

Farm Cover Dairy

Farm Cover Dairy offers New Zealand's first specialist, cost-effective insurance for all types of dairy farms. One policy covers buildings, plant and equipment, livestock, fences, machinery breakdown right through to production interruption, milk quality fines, milk dumping, farm liability, stock transit and more.

Only Farm Cover Dairy provides you with open ended protection for buildings, plant and equipment based on milk solid production. Other special cover includes:

  • immediate emergency lump sum payments in the event of natural disaster
  • all livestock and working dogs are included for accidental death
  • farm production interruption cover of $500,000
  • farm liability cover of $5m
  • milk dumping from contamination or plant breakdown.

There are premium discounts for multiple farms.

Farm Cover Dry

Farm Cover Dry is specially tailored to the needs of drystock farmers. Government policy means drystock farmers will not receive cash compensation for weather related losses where the assets or property could have been insured but were not. On top of the day-to-day security of knowing your home, farm, livestock and equipment are all protected, Farm Cover Dry means you can meet responsibilities in times of natural disaster.

Farmers can take cover to protect sheep immediately following shearing. Other special cover includes:

  • immediate emergency lump sum payments in the event of natural disaster
  • all livestock and working dogs and horses are included for accidental death
  • farm production interruption cover of $100,000
  • farm liability cover of $5m
  • Meat contamination or spoilage, including liability.

In addition, you get automatic stock transit cover when moving stock between farms and premium discount for multiple farms.

Farm Cover is just one of the rural insurance solutions we provide for farms across the country. Contact our rural specialist brokers to discuss tailormade risk cover for you and your farm.

Your rural insurance specialists

We have a team of dedicated brokers that operate across the country. Our job is to understand the risks and challenges you face as an agribusiness, farm owner or operator.

We are local and accessible. We are 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 things change, and come claims time we are there as your advocates.

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