Flexible cover, no horsing around.

Rural Assets:

Cover is provided for all assets such as buildings, contents, plant, equipment, fences, underpasses, culverts, bridges, hay, wool, seed & grain and the like.

Protection is usually for losses caused through fire, flood, burglary, theft or natural disaster. 

Extensions are available to cover Milk for contamination or spoilage or non-collection. 

Rural Machinery Breakdown:

Cover is provided for breakdown, excluding from normal wear and tear, of all types of machinery from small electric motors to refrigeration plant to boilers & pressure vessels.

Rural Loss of Profits:

This is also known as Business Interruption insurance.  This can include cover for gross profits, wages and/or salaries, additional increased costs of working, claims preparation costs and other financial loss caused due to a loss covered under the Rural Assets policy (such as a fire).

Protection is also available for Machinery Breakdown loss of profits to cover profits lost due to the breakdown of specified machinery.

Rural Liabilities:

Various Liability policies are available that are tailored to your rural business activities.  Please see the Liability cover sections for further information on the types of cover available.

Rural Vehicles:

Provides cover for your farm vehicles and mobile implements.  Protection can be for Full Comprehensive cover, Third Party Fire & Theft cover, or Third Party Only cover. 

Extensions are available to insure accidental loss to the tyres of farm vehicles and also for ingestion of foreign bodies.

Rural Livestock:

Various types of cover is available for your livestock as well as working dogs and horses.  This can include accidental death; death due to disease or illness; intentional slaughter; and theft and escape.

For more information on these products or any insurance query please contact your nearest BWRS office.