Crop Insurance
for Every NZ Grower

Crop insurance protects growers against financial loss when crops are damaged or destroyed by weather events, disease, or other covered perils. If a crop failure would cause significant financial hardship to your farming business — particularly if you have supply contracts, significant input costs, or rely on crop income — then crop insurance is worth serious consideration.

Fill in our online quote form with details about your farm, crop type, region, and the coverage you're looking for. Our specialist broker network will assess your requirements and come back with tailored options from FMG, AJG, Aon, Farmcover, and other specialist markets — at no cost to you.

Premium costs depend on crop type, region, sum insured, and coverage level. As a guide, premiums typically range from 1–3% of the insured crop value. A $300,000 kiwifruit crop might cost $3,000–$9,000 to insure annually. Request a quote through our broker network to get an accurate figure for your operation.

Named perils policies cover specific events: typically hail, frost, fire, wind, and flooding. Multi-peril policies cover virtually all natural causes of crop loss, including drought. The specific perils covered depend on the policy and insurer — our brokers will walk you through the options.

Standard named perils policies typically do not cover drought. Drought cover requires either a multi-peril crop insurance (MPCI) policy or a specific parametric drought product. MPCI is available in NZ through specialist international markets accessed via brokers like AJG and Aon. Ask our advisers specifically about drought cover if this is a key risk for your region.

Disease coverage is generally excluded from standard named perils crop insurance. However, some policies include limited disease cover or business interruption following a disease event (e.g., PSA in kiwifruit). Specialist disease covers may be available through international markets. Discuss your specific crop and disease risks with our broker network.