Apiculture

Loss or damage to stock anywhere in New Zealand including whilst in storage, transit or in the open.
Honey contained within the hive. 

Loss or damage to customers stock that you hold and/ or process on behalf of third parties (either bulk or bottled stock).

Loss or damage to the hive structure as defined as box, floor, lid, trays, supers.
Loss or damage to the honey contained within the hive structure.
Loss or damage to the GPS tracker (if fitted) to the hive structure.

Loss or damage to hives in transit throughout New Zealand.

Breakdown of motors, machinery and chillers.

Costs incurred to avoid a reduction in turnover and to maintain normal operation of the business following an insured loss.

Costs for professionals assessing and preparing any valid cliam following an insured loss.

Basis of settlement
An agreed value amount for vehicles subject to an acceptable annual valuation.

Cover to hire or lease a replacement vehicle to ensure business continuity.