You planned for
a bad season.
DID YOU PLAN FOR THIS?
Most farmers assume ACC has them covered. It doesn't — not fully. There's a gap between what ACC pays and what your farm, your family, and your debt actually need.
It takes 30 minutes to find yours.
No obligation. No jargon. Just clarity on where you stand.
Many Farmers Believe...
ACC Replaces my income
If you're hurt and can't work, ACC will cover you. Right?
The reality
ACC might pay 80% of your liable income — not your gross income, not your drawings.
And it's capped. A farmer earning $120k could receive as little as $640/week.
So who covers the other 20%? And the debt? And the farm costs?
ACC will keep the farm running
If I'm injured, ACC sorts the bills while I recover.
The reality
ACC pays you — not your business. Stock still needs feeding. Staff still need paying. Loan repayments don't pause. ACC doesn't cover a single dollar of farm operating costs.
How many weeks could your farm run without your income before things started to break?
ACC Covers ALL injuries
Farming is physical. If something goes wrong, ACC kicks in.
The reality
ACC only covers accidental injuries. Heart attack. Stroke. Cancer. Serious illness. None of it. You could be off the farm for 6 months with zero ACC entitlement.
What's more likely to put a 50-year-old farmer out of action — a tractor accident or a heart attack?
ACC covers every situation
I pay my ACC levies. I'm covered. That's the deal.
The reality
ACC has strict eligibility criteria, stand-down periods, and disputes processes. Many farmers who expected a payout found out — only after the injury — that their situation didn't qualify.
When was the last time you actually read what your ACC cover includes?
KNOW YOUR GAP.
Book your free review.
30 minutes. No obligation. Plain English. Advisors who understand farming — not just finance.
WHAT YOUR FREE 30-MIN REVIEW COVERS
1. What ACC actually pays you
We work out your real entitlement based on your income structure, not the assumption.
2. What ACC won't cover
Illness, business costs, the income gap. We name every dollar.
3. Your options to close the gap
Straightforward, no-pressure. You leave knowing exactly where you stand and what it would cost to fix it.
Don't get caught in the gap.
Book a free 30-minute ACC review to make sure it works for you when you need it most.
