Compare Livestock Insurance Providers
Side-by-side comparison of leading rural insurance brokers and specialists — so you can find the right provider for your livestock and farm.
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 | Aon | Gallagher | NZI |
|---|---|---|---|
| Best for | Complex needs & high-value stud animals | Exotic livestock, rare breeds & alpacas | Farm pack bundled cover |
| Cattle Cover | ✅ Strong | ✅ Good | ✅ Standard |
| Sheep Cover | ✅ Good | ✅ Good | ✅ Standard |
| Deer Cover | ✅ Good | ✅ Good | ⚠️ Limited |
| Exotic/Rare Livestock | ✅ Via Lloyd's | ✅ Specialist | ❌ Minimal |
| Natural Disaster | ✅ Available | ✅ Available | ✅ Available |
| Post-Shearing Exposure | ⚠️ Case by case | ⚠️ Limited | ⚠️ Limited |
| Velvet Removal Cover | ⚠️ Case by case | ⚠️ Limited | ❌ Not standard |
| Agreed Value Cover | ✅ High limits via Lloyd's | ✅ High limits | ⚠️ Limited |
| Online Quote | ✅ Yes | ⚠️ Broker only | ✅ Yes |
✅ = Standard offering ⚠️ = Available with conditions ❌ = Not standard. Data indicative — always confirm with your adviser.
Find a livestock insurance specialist
Livestock cover is a specialist area with a small number of providers. Use the options below to find the right adviser or insurer for your situation.
Use a licensed broker
Search IBANZ, the NZ brokers association, to find an adviser who specialises in rural and livestock cover.
Check the FSP register
Verify that any adviser you use holds a current Financial Service Provider registration before engaging them.
Go direct to an insurer
Some livestock insurers deal directly with farmers. Visit their websites to enquire or get a quote from their team.
Are you a livestock insurance specialist?
If you work in rural insurance and cover livestock, we would like to hear from you. hello@cover4you.co.nz
Which Provider Is Right for You?
Choose Aon if...
You have complex coverage needs, high-value stud animals requiring agreed values, or a mixed operation with unusual coverage requirements. Aon's Lloyd's market access provides flexibility that standard farm insurers 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 and good for standard farm operations.
Let Us Compare For You
Our licensed advisers will compare all providers and recommend the right cover for your livestock and farm.
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