Compare Livestock Insurance Providers
Side-by-side comparison of FMG, Aon, Gallagher, and NZI — so you can find the right provider for your livestock and farm.
Farmers Mutual Group
largest rural insurer. Specialist NZ conditions cover.
Aon New Zealand
Global broker. Best for complex needs & Lloyd's access.
Gallagher Insurance
Exotic & specialist livestock. Best for rare breeds & alpacas.
New Zealand Insurance
Comprehensive farm packs with bundled livestock cover.
| Feature | FMG | Aon | Gallagher | NZI |
|---|---|---|---|---|
| Best for | Mainstream NZ sheep, cattle & deer farmers | Complex needs & high-value stud animals | Exotic livestock, rare breeds & alpacas | Farm pack bundled cover |
| NZ Market Share | ~65–70% | ~8–12% | ~5–8% | ~6–10% |
| Cattle Cover | ✅ Specialist | ✅ Strong | ✅ Good | ✅ Standard |
| Sheep Cover | ✅ Market leader | ✅ Good | ✅ Good | ✅ Standard |
| Deer Cover | ✅ Specialist (velvet stag) | ✅ Good | ✅ Good | ⚠️ Limited |
| Exotic/Rare Livestock | ⚠️ Limited | ✅ Via Lloyd's | ✅ Specialist | ❌ Minimal |
| Natural Disaster | ✅ Add-on available | ✅ Available | ✅ Available | ✅ Available |
| Post-Shearing Exposure | ✅ Specific NZ cover | ⚠️ Case by case | ⚠️ Limited | ⚠️ Limited |
| Velvet Removal Cover | ✅ Specific cover | ⚠️ Case by case | ⚠️ Limited | ❌ Not standard |
| Agreed Value Cover | ✅ Up to ~$100K | ✅ High limits via Lloyd's | ✅ High limits | ⚠️ Limited |
| Online Quote | ✅ Yes | ✅ Yes | ⚠️ Broker only | ✅ Yes |
✅ = Standard offering ⚠️ = Available with conditions ❌ = Not standard. Data indicative — always confirm with your adviser.
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Which Provider Is Right for You?
Choose FMG if...
You're a mainstream NZ sheep, cattle, or deer farmer. FMG understands local farming conditions better than anyone — post-shearing exposure, velvet stag cover, and the nuances of NZ rural risk. Approximately 65-70% of NZ rural farmers are with FMG for good reason.
Choose Aon if...
You have complex coverage needs, high-value stud animals requiring agreed values above standard FMG limits, or a mixed operation with unusual coverage requirements. Aon's Lloyd's market access provides flexibility FMG can't always match.
Choose Gallagher if...
You have exotic livestock — alpacas, llamas, rare breed sheep, heritage pigs, or high-value show animals. Gallagher specialises in non-standard livestock that standard farm insurers are reluctant to write.
Consider NZI if...
You want a comprehensive farm pack that bundles property, equipment, and livestock cover in one policy. NZI is competitive on farm pack pricing. Less specialist than FMG for livestock-only cover.
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