NZ Crop Insurance
Providers Compared
Independent information on Gallagher, Aon, and Howden — the main agribusiness brokers active in the NZ crop insurance market.
Find a Specialist →Side-by-Side Provider Comparison
Specialist brokers work with all major providers — this table shows you what each can offer NZ crop growers.
| Feature | Gallagher Most Popular | Aon | Howden |
|---|---|---|---|
| Named Perils Cover | ✅ | ✅ | ✅ |
| Multi-Peril (MPCI) | ✅ | ✅ | ❌ |
| Revenue Protection | ✅ | ✅ | ❌ |
| Drought Cover | ✅ | ✅ | ❌ |
| Parametric Products | ✅ | ✅ | ❌ |
| NZ Adviser Network | ✅✅ | ✅✅ | ✅ |
| International Capacity | ✅ | ✅ | ✅ |
| Horticulture Specialist | ✅ | ✅ | ❌ |
| Arable / Grain | ✅ | ✅ | ✅ |
| Farm Package Cover | ✅ | ✅ | ✅ |
| Best For | Large orchards | Vineyards | Large operations |
Whilst every effort is made to present the above information correctly, CropInsurance.co.nz cannot be held responsible for errors or omissions. Information is based on publicly available data and general market knowledge and is subject to change. If you are an insurer and would like to discuss any information displayed, please contact us at hello@cover4you.co.nz.
Not sure which provider suits your operation?
Use the IBANZ directory to find a licensed NZ agribusiness broker who can advise on your specific crop and risk profile.
About Each Provider
Gallagher NZ
Specialist agribusiness broker — Agriculture & Rural divisionsGallagher (formerly Crombie Lockwood in New Zealand) operates across 30+ offices nationwide — from Invercargill to Kaitaia — with around 160,000 NZ clients and approximately 1,000 insurance professionals. Their dedicated Agriculture and Rural divisions provide specialist crop and agribusiness cover for NZ growers. Source: ajg.co.nz/about/, 13 August 2026.
Crop Products
- Named Perils Crop
- Revenue Protection
- Multi-Peril Crop
- Parametric Insurance
Key Strengths
- ~160,000 NZ clients across business, rural and personal
- ~1,000 NZ insurance professionals
- 30+ offices from Invercargill to Kaitaia
- Dedicated Agriculture and Rural insurance divisions
Aon New Zealand
Global broker with NZ agribusiness teamOne of the world's largest insurance brokers with a dedicated NZ Food, Agribusiness & Beverage practice. Aon combines global risk analytics with local expertise, attending National Fieldays annually and providing comprehensive crop and rural insurance programmes.
Crop Products
- Named Perils Crop
- Revenue Protection
- Vineyard Cover
- Horticultural Cover
Key Strengths
- Global risk analytics capability
- Strong vineyard & viticulture expertise
- Risk management consulting
- Multi-country grower programmes
Howden Group NZ
Global rural insurance — large-scale operationsPart of the global Howden Group operating in 122 countries with $51bn+ USD in premium under management. The NZ operation was built through multiple local acquisitions (formerly Apex, Wallace McLean, Omni, Sherpa, Bridges) and maintains offices across Auckland, Wellington, and Christchurch. Places business with top-rated insurers including AIG, Allianz, Chubb, NZI/IAG, Lloyd's, QBE, Vero, and Zurich.
Crop Products
- Named Perils Crop
- Farm Package
- Horticultural Cover
- Rural Business Pack
Key Strengths
- Global insurer network access
- Suitable for large operations
- Rural business package deals
- International expertise
Provider information is based on publicly available data and is provided for general reference only. CropInsurance.co.nz is not affiliated with any provider listed. Contact us at hello@cover4you.co.nz if you believe any information requires correction. ★ Google ratings sourced live from Google Places API and refreshed monthly. Ratings are shown only where a substantive NZ Google listing exists with 50 or more reviews. Powered by Google
Market access
Crop cover in New Zealand is written by a small number of domestic insurers, agribusiness brokers holding rural agencies, and specialist international underwriters including Lloyd's syndicates. Which markets are open to you depends on crop type, scale and loss history.
A broker with horticultural experience can reach markets you can't approach directly. Some insurers also deal with growers direct — their sites are listed in the table above.
Domestic insurers
NZ-based rural and farm insurers writing named perils policies.
Agribusiness brokers
Hold direct agency relationships with rural insurers and access specialist markets.
Lloyd's & international
International capacity for MPCI, parametric, and large complex risks.
Find a Crop Insurance Specialist
Crop insurance is a specialist area. Use the options on the right to find a licensed broker via IBANZ, check the FSP register, or go direct to an insurer.
- IBANZ lists licensed NZ insurance brokers
- FSP register shows authorised advisers and their scope
- Some insurers can be contacted directly for rural cover
- This site is NZ owned and independent
Find a crop insurance specialist
Crop and horticultural cover is a specialist area with a small number of providers. Use the options below to find the right adviser or insurer for your operation.
Use a licensed broker
Search IBANZ, the NZ brokers association, to find an adviser who specialises in agricultural and horticultural cover.
Check the FSP register
Verify that any adviser you use holds a current Financial Service Provider registration before engaging them.
Go direct to an insurer
Some crop insurers deal directly with growers. Visit their websites to enquire or get a quote from their own team.
Are you a crop insurance specialist?
If you work in agricultural insurance and cover crops or horticulture, we would like to hear from you. hello@cover4you.co.nz