Comprehensive drone insurance for farmers, agricultural consultants, and spray operators - protecting your farm operations and livestock
Agricultural drones are transforming New Zealand farming, offering precision agriculture solutions that increase efficiency while reducing costs. From crop monitoring to livestock management, drones provide essential data and services for modern farm operations.
$5M liability + equipment coverage
$10M liability + animal coverage
$20M+ liability + environmental coverage
Incident: Herbicide spray drift from dairy farm operation contaminated neighboring organic vegetable farm during windy conditions.
Damages: $180,000 crop loss, $50,000 organic certification recovery, $30,000 cleanup costs, 2-year market exclusion.
Insurance Response: Agricultural liability covered all damages. Environmental coverage handled soil remediation and certification recovery.
Incident: Drone malfunction during cattle mustering caused stampede, injuring prize breeding bull worth $25,000.
Damages: Veterinary treatment $8,000, breeding program disruption, reduced milk production, farm worker injury treatment.
Insurance Response: Livestock coverage compensated for animal injury. Public liability covered worker medical costs.
Incident: Equipment failure during fertilizer application resulted in chemical overflow into farm stream, affecting downstream water users.
Damages: $75,000 stream cleanup, $40,000 fish kill compensation, $25,000 water testing, regional council prosecution.
Insurance Response: Environmental liability covered cleanup costs. Legal expense coverage handled prosecution defense.
Incident: GPS failure caused drone to spray incorrect paddock, applying herbicide to ready-to-harvest crop instead of weeds.
Damages: $120,000 crop loss, $35,000 harvest delay costs, $15,000 soil testing and remediation.
Insurance Response: Professional indemnity covered operational error. Equipment malfunction coverage addressed technical failure costs.
Farm size, crop types, livestock numbers, chemical usage, environmental sensitivity
ACVM certifications, environmental consents, organic certifications, operator qualifications
Safety procedures, drift management, emergency protocols, equipment maintenance
Liability limits, chemical coverage, livestock protection, equipment values
Final underwriting, premium calculation, certificate issuance
Processing Time: 7-14 business days for agricultural applications. Chemical spraying operations may require additional underwriter review and site assessment.
Yes, chemical spraying requires specialized coverage including environmental liability, chemical drift protection, and ACVM compliance. Standard drone insurance doesn't cover agricultural chemical applications.
Livestock operations require higher liability limits ($10-15M), animal injury coverage, and protection against livestock stress-related claims. Coverage should include worker safety and potential disruption to breeding programs.
Spray drift coverage protects against unintended chemical application to neighboring properties. This includes crop damage, organic certification loss, cleanup costs, and legal defense. Coverage limits typically range from $5-25M.
ACVM-registered chemical applications require proof of adequate insurance coverage, operator certification, and compliance with application guidelines. Your policy must specifically cover agricultural chemical liability.
Yes, specialized agricultural policies include organic contamination coverage, protecting against claims for organic certification loss, crop devaluation, and market access restrictions from accidental chemical exposure.
Costs range from $2,000-15,000+ annually depending on operations. Basic crop monitoring starts around $2,500, while chemical spraying operations typically cost $6,000-15,000 due to higher environmental risks.
Yes, policies can cover multiple properties and contract agricultural services. This often provides better rates than individual farm coverage and ensures consistent protection across all operations.
Environmental coverage is essential for agricultural operations, covering pollution cleanup, habitat restoration, regulatory investigation costs, and third-party environmental damage claims from chemical applications or equipment failures.
Get comprehensive agricultural drone insurance with chemical application and environmental protection coverage