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Stone Fruit Insurance
Cover for cherries, peaches, nectarines, apricots and plums against frost, hail and adverse weather events.
About Stone Fruit Insurance
Stone fruit β cherries, peaches, nectarines, apricots, and plums β are grown predominantly in Central Otago, Hawke's Bay, and Nelson. These crops are among the most weather-sensitive in New Zealand horticulture. Cherries are devastated by rain at harvest (cracking), frost at flowering causes almost total crop loss, and hail can render fruit unmarketable. Specialist stone fruit insurance is essential for commercial growers.
β οΈ Key Risks for Stone Fruit Growers
Rain at cherry harvest (cracking)
Frost at flowering
Hailstorm
Sunburn & heat stress
Late season frost
Wind damage
Biosecurity pest incursion
β Coverage Highlights
Named perils cover
Hail cover
Frost at flowering
Cherry rain-cracking cover
Revenue protection
Business interruption
π Main Growing Regions
- Central Otago
- Hawke's Bay
- Nelson
- Marlborough
π° Typical Premium
$1,500 β $12,000/year
per year. Varies by size, region & coverage level.
Get My Quote βStone Fruit Insurance Insurance FAQs
Does cherry insurance cover rain cracking at harvest?
Rain cracking is a specialist cover available from select NZ insurers. It is one of the most significant risks for cherry growers as rainfall in the days before harvest can crack the skin of ripe cherries, rendering them unmarketable. Ask our brokers specifically about rain cracking cover.
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Specialist broker advice, no obligation.