Livestock Insurance — Compare & Get Covered
Independent comparison of FMG, Aon, Gallagher, NZI and specialist brokers. Expert advice for farmers — cattle, sheep, deer, goat, pig, alpaca and poultry insurance.
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Licensed rural insurance advisers — no obligation.
Livestock We Cover
Specialist insurance for every type of livestock — from commercial dairy herds to elite velvet stags and rare breeds.
Cattle Insurance
Insurance for beef and dairy cattle
From $80/year
Sheep Insurance
Cover for sheep flocks including stud rams, breeding ewes, and commercial mobs.
From $60/year
Deer Insurance
Specialist cover for deer farms
From $120/year
Goat Insurance
Insurance for dairy goats, meat goats, and Angora fibre producers.
From $70/year
Pig Insurance
Insurance for commercial pig farms and specialist breeding operations.
From $80/year
Alpaca & Llama Insurance
Specialist cover for alpaca and llama farms
From $100/year
Poultry Insurance
Insurance for poultry operations
From $200/year
Rare Breeds & Show Animals
Specialist cover for rare breed livestock, show animals, and high-value stud animals.
From $150/year
Coverage Types
From basic mortality cover to comprehensive natural disaster and disease protection — understand your options.
Livestock Mortality Cover
Financial protection if your animals die from accidental causes, disease, or specified weather events.
From $80/year
Learn more →Disease & Illness Cover
Cover for financial losses when livestock suffer from notifiable diseases, illness outbreaks, or government-ordered culling.
From $100/year
Learn more →Livestock Transit Insurance
Cover for animals during transport — saleyards, between properties, to processing plants, and at agricultural events.
From $50/year
Learn more →Natural Disaster Cover
Coverage for livestock losses from floods, cyclones, earthquakes, drought and other natural events.
From $60/year
Learn more →Farm & Livestock Liability
Protection if your livestock injure people, damage property, or escape onto roads causing accidents.
From $120/year
Learn more →Livestock Theft Cover
Protection against the theft of livestock from your property — increasingly important as stock theft rises in NZ.
From $50/year
Learn more →Livestock Insurance Providers
We compare quotes from the leading rural insurance specialists.
FMG
Market LeaderFarmers Mutual Group
largest rural insurer with 65-70% market share. Specialist livestock policies for local conditions including post-shearing exposure and velvet stag cover.
Aon
Global ReachAon New Zealand
Global insurance broker with strong rural expertise. Ideal for complex or unusual coverage needs, including access to Lloyd's markets for high-value stud animals.
Gallagher
Specialist CoverGallagher Insurance
Specialist in exotic and rare livestock — alpacas, llamas, rare breeds, and high agreed-value stud animals. Best for non-standard livestock coverage.
Latest Guides & News
Expert advice for livestock farmers.
Common Questions
Do I need livestock insurance in New Zealand?
Livestock insurance is not legally required in NZ, but it is strongly recommended for farmers whose livelihood depends on their animals. The cost of being uninsured can be devastating — a single disease outbreak, flood, or road accident can wipe out years of breeding investment.
How does livestock insurance work in NZ?
You pay an annual premium to insure your animals. If a covered event occurs (death, disease, theft, etc.), you make a claim and receive compensation up to the insured value, less any excess. Blanket policies cover entire herds at a per-head rate; specified animal policies cover individual high-value animals at an agreed value.
Who are the main livestock insurance providers in NZ?
FMG (Farmers Mutual Group) dominates the NZ rural insurance market with approximately 65-70% market share. Other key providers include Aon, Gallagher Insurance, NZI, and Gerrards Insurance (specialist rural broker). Each provider has strengths for different livestock types and farm situations.
What does standard livestock mortality cover include?
Standard mortality cover pays the agreed or market value of your animal if it dies from covered causes — typically accidental death, electrocution, drowning, fire, and specified weather events. Disease deaths and weather event deaths are often covered under separate add-on policies.
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