Compare NZ Crop Insurance Providers
Independent comparison of the main crop insurance providers in New Zealand — coverage, service quality, and what each is best suited for.
FMG – Farmers Mutual Group
NZ's #1 rural insurer — farmer-owned4.7/5 (412 reviews)
New Zealand's leading rural insurer, providing specialist crop and farm insurance to NZ growers for over 100 years. FMG is farmer-owned and provides dedicated rural advisers throughout the country.
Crop Products
- Named Perils Crop
- Multi-Peril Crop
- Horticulture Cover
- Arable Cover
Key Strengths
- Farmer-owned mutual
- Nationwide rural adviser network
- NZ-focused crop expertise
- Strong claims reputation
AJG – Arthur J. Gallagher NZ
Global broker — specialist agribusiness division4.5/5 (187 reviews)
A global insurance broker with a strong New Zealand rural and agribusiness practice. AJG can access specialist international crop insurance markets alongside domestic insurers, providing broader coverage options for large-scale growers.
Crop Products
- Named Perils Crop
- Revenue Protection
- Multi-Peril Crop
- Parametric Insurance
Key Strengths
- Access to London & global insurance markets
- Specialist agribusiness brokers
- Parametric weather solutions
- Large-scale orchard expertise
Aon New Zealand
Global broker with NZ agribusiness team4.4/5 (156 reviews)
One of the world's largest insurance brokers with a dedicated NZ agribusiness practice. Aon combines global reach and risk analytics with local expertise to arrange 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
Farmcover New Zealand
Specialist NZ farm insurance — competitive premiums4.3/5 (98 reviews)
A specialist NZ farm and rural insurance provider offering straightforward, competitive crop and property cover for farms of all sizes. Farmcover focuses on delivering simple, transparent policies with competitive premiums.
Crop Products
- Named Perils Crop
- Farm Property
- Horticultural Cover
- Arable Cover
Key Strengths
- Competitive premiums
- Simple policy wording
- NZ-focused products
- Fast online quotes
Howden Group NZ
Global rural insurance — large-scale operations4.3/5 (74 reviews)
Part of the global Howden Group, the NZ operation provides rural and farm insurance including crop cover, particularly for larger farming operations. Howden's global reach enables access to specialist reinsurance markets for high-value crop programmes.
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
Side-by-Side Comparison
| Feature | FMG | AJG / Gallagher | Aon | Farmcover | Howden |
|---|---|---|---|---|---|
| Named Perils Cover | ✅ | ✅ | ✅ | ✅ | ✅ |
| Multi-Peril (MPCI) | ✅ | ✅ | ✅ | ❌ | ❌ |
| Revenue Protection | ✅ | ✅ | ✅ | ❌ | ❌ |
| Drought Cover | Limited | ✅ | ✅ | ❌ | ❌ |
| Parametric Products | ❌ | ✅ | ✅ | ❌ | ❌ |
| NZ Adviser Network | ✅✅✅ | ✅✅ | ✅✅ | ✅ | ✅ |
| International Capacity | Limited | ✅ | ✅ | ❌ | ✅ |
| Horticulture Specialist | ✅ | ✅ | ✅ | ✅ | ❌ |
| Arable / Grain | ✅ | ✅ | ✅ | ✅ | ✅ |
| Farm Package Cover | ✅ | ✅ | ✅ | ✅ | ✅ |
| Best For | All NZ farms | Large orchards | Vineyards | Small farms | Large operations |
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