You've already made one good call by coming here

FMG is different because we offer an advice-led insurance service. We work to understand your farm or business operation and help you manage the risks you face. Our team of experts works with over 10,000 dairy farmers, contract milkers and sharemilkers, right across the country so we truly understand the challenges they face. This means we can offer you great advice and cover to keep things running smoothly.

Are you covering your risks?

FMG has a range of insurance options available to support dairy farmers, before, during and after any move – from Transit Cover and Liability, to Milk Contamination and Business Interruption. As a farm owner or a contract/sharemilker understanding what you're responsible for makes it easier to sort your insurance, plus can ease the pressure on the milker-owner relationship if things go wrong.

When both the farm owner and share-milker are with FMG, we can ensure there are no gaps or double ups on your cover. Give the team a call and we’ll make sure you head into the season confidently.

Set yourself up for success

It's important to use the right documentation to make sure everything is squared away. Our strategic and industry partners Federated Farmers and DairyNZ have the right resources to make sure your contracts and business partnerships are set up successfully.

You can also download DairyNZ's sharemilker checklist to make sure you've covered everything off.


FMG’s advice built us up and gave us confidence to get on and do what we had to do to keep the business going.

Mark Hislop - KaikĊura dairy farmer

Dairy advice so that you can make Good Calls this year

As New Zealand’s leading rural insurer working with over 10,000 dairy clients, we get to see a huge number of rural claims each year. This means we get to learn about the risks that affect farmers the most.This knowledge puts us in the perfect position to provide advice on how to avoid those risks and in turn avoid loss, stress, lost production, and downtime.

Stand Out

Over 60% of our milk contamination claims are due to antibiotic contamination SO make sure you follow DairyNZ’s MRS T process process to mark cows that have received treatment, so they stand out.

Over 60% contamination claims due to antibiotics

Size It

Almost half of all our milk spoilage claims are due to plant failure.

So ensure the chiller is the right size for your operation. If your milk solids have increased, you may need to up-size the chiller. Off-season maintenance is important to check your chillers are working correctly.

50% of Milk spoilage Claims due to Plant Failure

Back Up

Nearly 20% of our milk spoilage claims are as a result of loss of power.

SO have a back-up generator, that is tested regularly and ensure you have sufficient fuel on-hand.

almost 20% milk claims as result of power loss

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