A Nelson apple orchardist was reviewing his farm insurance but was unsure about liability cover. When advised that some farm accidents would not be covered, unless the farmer had the right protection, he realised the importance of having farm liability cover.  A few months later the farmer lit a fire on his farm. After it had died down and he thought he'd put it out, he decided to go into town.

 

The wind turned, picked up and spread the fire across neighbouring properties resulting in claims of $160,000 being lodged against him for damage to neighbouring properties that the fire had caused. The farm liability section which he was originally unsure about covered him against these costs.