Compare Livestock Insurance NZ

FMG is the market leader with approximately 70% of NZ farms and unmatched specialist rural knowledge. Their policy wordings are specifically designed for NZ farming conditions — including unique covers like post-shearing sheep exposure and antler removal death cover for deer stags. Their claims team has deep agricultural expertise.

Aon's strengths are online accessibility and speed. Their livestock quote platform allows faster quotes for straightforward cover, and their reinsurance backing through international markets provides strong financial security. Aon is particularly competitive for farmers wanting simple, clean cover without specialist features.

For most NZ livestock farmers, FMG is the benchmark. Aon is worth comparing for price, particularly for straightforward commercial livestock cover.

Gallagher Insurance (AJG) is the specialist of choice for unusual and exotic livestock — alpacas, llamas, exotic birds, and other animals that standard rural policies may not cover. Their bird and animal insurance division has specific expertise that FMG and Aon lack for these species.

NZI is competitive for farm pack policies that combine multiple coverage types in one policy. Their pricing can be attractive for farmers wanting to consolidate their cover. NZI's long history in the NZ market means their claims process is well-established.

When comparing livestock insurance, look beyond the premium to: specific coverage inclusions and exclusions in the policy wording; how claims are settled (market value vs agreed value); the claims process and average settlement time; what disease cover is included or excluded; natural disaster coverage specifics; and transit cover details.

A licensed rural insurance adviser who knows all of these providers can make this comparison for you efficiently — and for free.