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Rural/Farm Cover

EMS Insurance Solutions understands that rural businesses have very different needs from their urban counterparts. That’s why we tailor policies to suit individual needs.

Cover options include:

Farm Package

From livestock to hobby farms, EMS understands your business is unique and has a policy that’s right for you.  Cover options include home, farm buildings, machinery, fencing, working dogs, transit and tax audit.


EMS Insurance Solutions sources specialised crop protection for farmers, including cover in the event of fire or hail. Policies may also protect crops from straying livestock and chemical overspray – just tell us what best suits you.


Our “all-in-one” livestock policy provides cover in the event of accident, illness and disease. It may also protect against loss due to unborn livestock and other setbacks.

Farm Motor

Farm vehicles can be expensive to repair and present a headache when transporting to the repairer’s workshop.  Specialised policies cover goods-carrying and agricultural vehicles, and are designed to get you back in operation as soon as possible.

Workers' Compensation

Do you employ staff or subcontractors as part of the day-to-day operations of your farm? If so, statutory cover is essential for protecting your employees should they have an accident at work.

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