A.I.R
Insure
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ASSET COVER
Agricultural Asset Cover is designed to protect the physical backbone of farming and agri-business operations. From essential machinery and irrigation systems to buildings and storage facilities, this product ensures that farmers and agricultural businesses remain operational in the event of unexpected loss or damage. By safeguarding critical assets, the cover supports business continuity, financial stability, and long-term resilience.
What Is Covered
This Policy provides indemnity for material loss of or damage to insured agricultural assets, including plant, machinery, buildings, and supporting infrastructure, resulting from defined perils as specified in the policy schedule.
Machinery & Equipment
This section provides cover for the essential equipment required for day-to-day farming operations, including tractors, harvesters, irrigation pumps, and other plant equipment. These assets are protected against risks such as fire, theft, accidental damage, and, where applicable, mechanical breakdown. Reliable functioning of machinery is critical to productivity, and this cover ensures rapid recovery and replacement when needed.
Buildings & Infrastructure
Agricultural Asset Cover includes protection for farm buildings and infrastructure such as barns, silos, storage units, workshops, and irrigation systems. These assets are exposed to a range of risks, including fire, storm damage, flooding, and structural failure. Adequate cover ensures that physical infrastructure can be repaired or rebuilt quickly, minimizing disruption to operations.

Key Covered Risks
The policy is designed to address the primary risks faced by agricultural operations, including:
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Fire and explosion
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Theft and malicious damage
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Storm, wind, and weather-related events
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Flood and water damage
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Accidental damage
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Equipment breakdown (where specified)
Key Benefits
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Operational Continuity: Minimises downtime by enabling quick repair or replacement of critical assets
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Flexible Coverage: Tailored to suit the specific needs of different farming operations
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Financial Protection: Reduces the financial impact of unforeseen events
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Risk Support: Encourages better asset management and risk mitigation practices
Who This Cover Is For
This product is suitable for:
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Commercial farmers
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Agribusiness operators
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Mixed farming operations
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Agricultural processing and storage facilities
Underwriting Considerations
​Each policy is tailored based on a detailed assessment of:
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Type and value of assets
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Location and environmental exposure
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Security measures in place
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Maintenance and operational practices
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Claims history