Rural     

16 January 2026

Life on the Land: How Farm Insurance Brokers Support Rural Businesses

With rural insurance brokers right across New Zealand, our team is well placed to understand the risks and complexities associated with doing business in this competitive sector.

Farming is a way of life, but it’s also a business full of uncertainties. From the unpredictable impacts of climate change to personal injuries, machinery breakdowns, and even cyber risks, the challenges farmers face are as diverse as they are complex.

That’s where Gallagher comes in. Our farm insurance brokers specialise in understanding the unique risks of farming and can help arrange rural insurance cover for your farm or agribusiness.

Tailored insurance cover for every farm

Whether you’re managing a lifestyle property or running a large-scale agribusiness, Gallagher has the expertise to ensure you’re covered.

“We don’t believe in one-size-fits-all insurance. Instead, we work with you to create a policy that covers what you need—and nothing you don’t,” says Maria Jamison, Group Broking Manager – Rural.

This means you can focus on your daily farming operations, knowing that your insurance is in expert hands.

Support when you need it most

When the unexpected happens, the last thing you want is to navigate a complicated claims process. Your broker will connect you with our dedicated claims experts, who can act on your behalf and keep you informed of your claims progress, allowing you to focus on running your farm. 

“Our team will keep you updated every step of the way and will work to ensure you get a timely and fair outcome,” says Maria.

Brokers who truly understand farming

At Gallagher, many of our brokers come from rural backgrounds themselves. They understand the trials and tribulations of working with the land, animals, and the challenges of remote living—because they’ve lived it too. They know what it’s like to pull on the gumboots and get to work, and they bring that same hands-on approach to helping you protect your livelihood.

“I’m passionate about knowing what’s going on in the agriculture industry and talking to my clients about the changes, challenges and celebrations of life on the land.

“I understand when my clients may be facing more challenging periods – whether that’s dairy farmers drying off their cows for winter, or crop farmers navigating everchanging climate conditions and trying to decide the best time to harvest,” Maria says.

Personalised service, right where you are

Our rural insurance brokers don’t just sit behind desks. They come to you, wherever you may be throughout the country, assess your property, and take the time to understand your unique needs. With their expertise, they can identify risks and opportunities that only someone with deep knowledge of farming would recognise.

“For example, if a farmer had plans for diversification, we can offer key advice on where insurance may need to be placed going forward, and consider whether things remain a rural risk, or may need to be considered commercial,” says Maria.

It’s this personalised, on-the-ground service that sets Gallagher apart and why we’ve worked with rural families to help arrange suitable cover across multiple generations. 

“We know this is more than just a job, it’s a way of life. And that’s why when something goes awry, we want to ensure our rural clients have the best protections in place, to ensure their continued longevity.” 

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