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Business Cover
Farmers Disability Insurance
If you’re out of action due to sickness or injury, we’ll pay a benefit of up to 35% of the farm’s turnover – up to a maximum of $10,000 per month.
Farmers Disability Insurance benefits
01
Monthly benefit
This helps keep your farm running if you’re totally unable to work.
02
Recurrent disability
Restarts your benefit immediately if you suffer the same disability within 12 months – waiving your waiting period.
03
Disability reset
Restarts your benefit period for a new or related sickness or injury.
04
Payment while overseas
You’ll get this if you’re disabled while out of the country.
05
Inflation adjustment
Each year your sum insured can be increased without the need for further medical or financial underwriting.
Optional benefits you can choose to include:
Helps you through your recovery period of part time work until you are able to resume full time duties.
Show us financial evidence of business growth and we'll increase your monthly benefit without needing further medical assessment.
Lump Sum Support when you need it. Receive this benefit if you suffer any of 29 specified injuries (ranging from broken bones to paralysis). The benefit is payable even if you are still able to continue working. Check the policy document for the full list of injuries and payment periods.
Frequently asked questions
Why is there a separate cover for farmers?
Running a farm is a bit different to running any other business. We use a different way of calculating the benefit for this cover, because farmers’ incomes can be impacted by so many different factors from year to year. The definition of disability is also different for this cover, which recognises the unique situation of a farmer.
