A GUIDE TO FARM AND RURAL INSURANCE

Covers your domestic and farm buildings, contents, machinery, fencing, hay and livestock against loss due to fire, storms and tempests, impact, and malicious damage, and automatically includes accidental damage cover. This policy provides full replacement cover.

If your business activities are interrupted as a result of loss or damage to property, cover is available to protect the income lost while your business is not operating.

Covers farm machinery, usually of a mobile nature, against fire, storms and tempests, impact, malicious damage and theft.

With this cover, you're reimbursed for losses due to visible forced and violent entry into your property, even people hiding in your premises and persons who threaten or use violence.

People are our most valuable asset. So this insurance deals with personal injury, property damage and legal fees in the event of your business being held legally liable. It can also protect you from liability to the public from products you produce or sell.

Don't risk losing your hard earned cash. Money Insurance deals with money lost in your personal custody, held on the premises, enroute to the bank, or stolen due to forced entry into the safe. Further options are available, just ask us.

This is vital to businesses like farms which rely on machinery or equipment. It covers breakdowns or unforseen damage to machinery, mechanical and electronic equipment, it can also include the resultant stock losses.

Look after your employees who may be injured by accident or industrial diseases during their employment. They are legally entitled to compensation under various Workers Compensation statutes. Acts in each state and territory in Australia require employers to maintain compulsory, no fault insurance to cover their legal liability.

You need this to protect your cargo and property while in transit between locations, you've a choice of cover for Inland or Overseas.

A call from the tax man or other government agencies can bring significant expense. Tax Audit Insurance covers fees charged by accountants or other professionals and costs for obtaining expert advice during a Taxation Office audit or investigation by other government authorities.

You have several choices:

- Comprehensive cover which includes your own damage and third party property damage
- Third Party Property Damage plus fire and theft
- Third Party Property Damage
- Compulsory Third Party (CTP) green slips are compulsory Australia-wide covering third party injury or death sustained during an accident involving a registered motor vehicle

Look after your most valuable asset: your people. This cover provides weekly and lump sum benefits for accidental death, injury or illness to a specified person or persons.