Crop Insurance by
Grower Type
Whether you're an orchardist in Hawke's Bay, a vine grower in Marlborough, an arable farmer in Canterbury or a contract grower β your risks are different and your insurance should reflect that.
Find Insurance for Your Operation
Select your grower type to see specific risks, cover options and what to look for in a policy.
Orchardists
Specialist insurance for kiwifruit, apple, pear, avocado and stone fruit orchardists across New Zealand.
Viticulture & Wine Growers
Vineyard and wine grape crop insurance for NZ's world-class wine growing regions.
Arable Farmers
Crop insurance for Canterbury, Southland and Marlborough arable farmers growing wheat, barley, oats, and maize.
Hop Growers
Specialist insurance for NZ hop growers in Nelson, Tasman and Marlborough.
Vegetable Growers
Crop insurance for outdoor and covered vegetable growers supplying supermarkets, processors and fresh markets.
Contract & Seed Growers
Insurance for NZ seed and contract growers protecting against crop failure and contract non-delivery penalties.
Why Growers Need Crop Insurance
New Zealand's climate and export-dependent economy make crop insurance more than a nice-to-have for many operations.
NZ Weather is Unpredictable
Cyclones, late frosts, hailstorms and drought can strike without warning. A single weather event can eliminate an entire season's income for an uninsured grower. Cyclone Gabrielle alone caused over $800 million in agricultural damage in Hawke's Bay.
Input Costs Are Rising
Labour, fertiliser, freight and irrigation costs have all increased sharply. Without crop insurance, a weather event doesn't just cost you the harvest β it can leave you unable to meet the seasonal input debt you've already committed to.
Banks May Require It
Rural lenders including Rabobank, BNZ Agri and ANZ increasingly require growers with large seasonal finance facilities to hold crop insurance. Having cover can also support better lending terms and interest rates.
Export Markets Demand Reliability
NZ export crops like kiwifruit, wine grapes and apples carry contractual volume obligations. Failing to meet supply commitments due to weather can damage long-term market relationships. Revenue protection helps ensure continuity.
Types of Crop Cover Available
Not all crop insurance is the same. Understanding the structure helps you choose the right policy for your risk profile.
Named Perils
Covers specific events: hail, frost, fire, wind. Most affordable and the most widely used structure in NZ.
Multi-Peril (MPCI)
Covers yield shortfalls from a broad range of causes including weather, disease and pest incursion.
Revenue Protection
Guarantees a minimum income level regardless of cause of loss. Best when input costs are high.
Parametric Cover
Triggers automatically based on a measured index (e.g. rainfall below threshold). No loss assessment needed.
Not sure which cover type is right for you?
Our specialist brokers will assess your operation, identify your key risks, and recommend the most appropriate cover β at no cost to you.
Talk to a Crop Insurance Specialist βHow Getting Covered Works
From first enquiry to cover in place β typically within one business day.
Tell Us About Your Operation
Complete a short enquiry form with your crop type, region, and approximate insured value.
We Compare the Market
Your specialist broker approaches FMG, Gallagher, Aon, Farmcover, Howden and relevant markets simultaneously.
Receive Your Options
We present a clear comparison of quotes, coverage terms, and what each policy actually covers.
Cover Arranged
You choose, your broker arranges the policy, and we remain your contact for renewals and claims support.
We Understand Your Growing Operation
We Compare Multiple Providers
One enquiry reaches FMG, Gallagher, Aon, Farmcover, Howden and specialist international markets simultaneously.
Deep Crop Expertise
Our broker network understands NZ growing conditions, regional risks and specific insurance needs for each crop and grower type.
Free to Growers
Our service is completely free to you. Brokers are paid by insurers β expert advice at no direct cost.
Fast Turnaround
From enquiry to cover options in as little as one business day.
Claims Support
We advocate for you at claim time β not just at the point of sale.
Get Your Crop Insurance Quote
Our specialist brokers compare the insurers so you don't need to, no obligation.
Insurers Our Broker Network Works With
FMG
Gallagher
Aon
Farmcover
Howden
Plus specialist international underwriters for large or complex risks.
Looking for a specific crop type?
Browse insurance by crop β kiwifruit, grapes, apples, wheat, hops and more.