Your farm has a backup.
DO YOU?
If your farm keeps producing income while you're injured, ACC can legally decline your claim. No loss of earnings. No payout — even if you've paid levies for years.
Most farm owners don't find out until they try to make a claim. It takes 30 minutes to find out where you stand.
Know your gap. Protect your farm. No obligation.
What ACC doesn't tell farm owners
Here's what most farmers believe — and what the ACC Act actually says.
"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.
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 before things start 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?
"If the farm still earns, I'm fine"
The farm keeps producing while I recover — that's a good thing.
It's good for the farm — but it works against your claim. If your structure means income still flows to you, ACC may rule there's no loss. No loss. No payout. You've paid levies for years. They don't have to pay out.
When was the last time you checked whether your structure actually holds up?
What happens in your free 30-minute review
1. We check your ACC structure
We find out whether your current setup — company, trust, or partnership — means a claim could be declined before you ever need to make one.
2. We find your levy savings
Most farm owners are overpaying ACC levies. We identify what you should be paying — the difference often funds the cover you actually need.
3. We show you the gap
Your real ACC entitlement vs what your farm, family, and debt actually need. Named in dollars, not percentages.
4. We give you a plain-English plan
No pressure. No obligation. You leave knowing exactly where you stand — and what it would cost to fix it.
Don't find out you're not covered when you need to make a claim.
Most farmers who've done this review walk away either relieved — or glad they found out when they did. Either way, you'll know. 30 minutes. No cost. No obligation.
