Crop Insurance Guides & Insights
Expert advice for NZ growers from specialist rural insurance advisers.
All Articles
Kiwifruit Insurance: Protecting Your Orchard from PSA and Weather Events
PSA devastated NZ kiwifruit orchards a decade ago. Here's how insurance can protect against disease, hail, frost, and weather events for today's kiwifruit growers.
Vineyard Insurance: What's Covered When Frost Hits Your Grapes?
Frost at budburst can destroy an entire vintage in a single night. Here's how NZ viticulture insurance protects Marlborough and Hawke's Bay vine growers.
Named Perils vs. Multi-Peril Crop Insurance: Which Is Right for You?
The two main types of crop insurance in NZ explained — and a framework to help you decide which gives you the best protection for your operation.
Hailstorm Insurance for NZ Orchards: The Complete Guide
Hail is the single biggest insured risk for NZ orchardists. Here's everything you need to know about hail cover for kiwifruit, apples, cherries and other horticultural crops.
How Climate Change Is Affecting NZ Crop Insurance Premiums
Cyclone Gabrielle, unprecedented frosts, and shifting rainfall patterns — how climate change is reshaping the NZ crop insurance landscape and what growers can expect to pay.
Crop Insurance for Small-Scale Growers: Is It Worth It?
You don't need to be running a commercial orchard to benefit from crop insurance. Here's how smaller NZ growers can get cost-effective cover.
How to Make a Crop Insurance Claim After a Weather Event
Step-by-step guide to making a crop insurance claim in New Zealand — from initial notification to settlement.
FMG vs. Aon vs. Gallagher: Comparing NZ Crop Insurance Providers
An independent comparison of the main crop insurance providers in New Zealand — coverage, service, and value for NZ growers.
Extreme Weather and NZ Crop Insurance: What Growers Need to Know
From Cyclone Gabrielle to Canterbury droughts — extreme weather is reshaping how NZ growers think about crop insurance. Here is what cover is available and what the gaps are.
How Much Does Crop Insurance Cost in NZ? A 2026 Premium Guide
Crop insurance premiums in NZ vary widely depending on crop type, region, coverage level and claims history. Here is a detailed breakdown of what NZ growers can expect to pay in 2026.
Export Crops, Logistics and Insurance: How Global Disruption Affects NZ Growers
NZ export crop growers face risks beyond the farm gate. Shipping disruptions, geopolitical tensions, and logistics failures can be just as costly as a weather event. Here is what insurance covers — and what it does not.
Why NZ Crop Insurance Premiums Are Rising — and What Growers Can Do About It
Crop insurance premiums across New Zealand have increased significantly in recent seasons. We explain the drivers behind rising costs and practical steps growers can take to manage them.
Vegetable Crop Insurance NZ: A Guide for Outdoor and Protected Growers
From outdoor brassicas to greenhouse tomatoes — NZ vegetable growers face diverse risks. Here is how to protect your operation with the right crop insurance.
Avocado Insurance NZ: Protecting Northland and Bay of Plenty Orchards
NZ's avocado industry has expanded rapidly in Northland and the Bay of Plenty. Here's how to protect your orchard from cyclones, frost, and disease with the right insurance.
Stone Fruit and Cherry Insurance in Central Otago
Central Otago produces world-class cherries, apricots, and peaches — but the region's climate creates real weather risk. Here is how stone fruit growers can protect their investment.
Hop Growers Insurance Guide: Nelson, Tasman and Marlborough
Nelson-Tasman is the heart of NZ hop production. Here's how hop growers can protect their high-value crop and significant infrastructure investment with the right insurance.
What Cyclone Gabrielle Taught NZ Growers About Crop Insurance
Cyclone Gabrielle in February 2023 was the costliest natural disaster in NZ history. Here's what growers who went through the claims process learned — and what every NZ grower should take from it.
Arable Crop Insurance in Canterbury: What Farmers Need to Know
Canterbury is the engine room of NZ arable farming. Here's how Canterbury grain and seed growers can protect their operations with the right crop insurance.
Crop Insurance vs Self-Insurance: What NZ Growers Should Know
Some NZ growers choose to self-insure rather than buy crop insurance. Here's an honest analysis of when self-insurance makes sense — and when it doesn't.
Irrigation and Farm Infrastructure Insurance for NZ Growers
Irrigation systems, packhouses, cool stores, and farm buildings are major assets for NZ growers. Here's how to ensure your infrastructure is properly protected.