Business Insurance:
Rural Protection
Tailored Cover for Agriculture and Horticulture in the Bay of Plenty.
Rural Insurance for Bay of Plenty Farmers and Growers
The Bay of Plenty is home to some of New Zealand’s most productive farmland, from kiwifruit orchards in Te Puke to dairy operations in Edgecumbe. Rural Protection Insurance is designed specifically for farmers and agribusiness owners across the region, providing tailored financial cover that matches the risks of rural life.
This type of cover can include protection for business income, specialised equipment, livestock, and key staff, ensuring that an illness, accident, or natural disaster doesn’t throw your operation off track. It can also provide replacement income if you're injured and unable to manage the farm yourself. Whether you're managing a multi-generational family farm or an expanding horticulture venture, this insurance supports the financial resilience of your rural business.
We understand that no two farms are the same, so our local advisers will work closely with you to create a solution that fits your operation, your goals, and the seasonal realities of Bay of Plenty life.
Rural Protection Insurance FAQs
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Rural protection insurance is a customised mix of cover designed for farmers and rural business owners. It typically includes life, trauma, income protection, and key person cover — all tailored to the risks unique to farming.
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Farming relies heavily on a few key people. If something happens to the farm owner or manager, rural protection ensures the business can keep running — covering lost income, hiring replacement staff, or paying down debt.
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It can cover loss of income due to injury or illness, serious medical events, death, or even temporary disability. It’s designed to protect both your household and your farming business from financial stress.
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Yes — rural protection plans are highly customisable. You can choose the types and levels of cover that match your business structure, farm income, and personal financial goals.