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Apple & Pear Insurance
Specialist hail, frost and weather cover for apple and pear orchards across Hawke's Bay, Nelson and Central Otago.
About Apple & Pear Insurance
New Zealand's apple and pear industry is centred in Hawke's Bay, Nelson/Tasman, and Central Otago, generating over $800 million in exports annually. Hail is the single biggest insured risk for pip fruit growers β a single storm can write off an entire season's crop. Insurance can cover hail damage, frost at blossom or fruitlet stage, wind damage, and fire. Revenue protection policies can guarantee a minimum income even in a catastrophic year.
β οΈ Key Risks for Apples & Pears Growers
Hailstorm damage
Spring frost at blossom
Windstorm & hail nets damage
Fire
Drought & water shortage
Post-harvest price collapse
Biosecurity incursion
β Coverage Highlights
Hail-only cover (most popular)
Named perils crop cover
Multi-peril revenue protection
Infrastructure cover (hail nets, bins)
Post-harvest storage cover
Business interruption
π Main Growing Regions
- Hawke's Bay
- Nelson/Tasman
- Central Otago
- Canterbury
- Marlborough
π° Typical Premium
$1,800 β $14,000/year
per year. Varies by size, region & coverage level.
Get My Quote βApple & Pear Insurance Insurance FAQs
Is hail the main risk for apple growers?
Yes β hail is the most common and costly insured risk for pip fruit growers in NZ. A single hailstorm can cause surface marking on fruit that renders it unmarketable. Many growers now invest in hail nets alongside insurance.
Can I insure my apple crop against frost?
Yes. Frost cover at blossom and fruitlet stage is available from specialist rural insurers. The timing of frost events in spring (OctoberβNovember in NZ) is critical, and some policies have waiting periods, so early placement is essential.
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Specialist broker advice, no obligation.