FMG has its roots firmly planted in rural New Zealand, which is why you'll find that we're different when it comes to insurance. We were started in 1905 by farmers for farmers and today we're still 100% New Zealand owned by our rural clients. Giving rural New Zealand a better deal is our core purpose and we live by an advice-led approach to help you identify and avoid interruptions to your farm, business and in your personal life. FMG has been an important part of the New Zealand farming landscape for over 100 years. We are a mutually owned insurer that was formed to help rural New Zealanders protect their farms and livelihoods. In the early 1900s farmers didn't have much choice when it came to insurance cover. The only option was English owned tariff companies who didn't understand the risks and challenges faced by rural New Zealanders - they also charged like wounded bulls and sent profits offshore.