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A farm entrepreneur asks whether the loss of animals is also compensated due to illness, whether the insurance covers crops against weather phenomena and whether it secures the continuation of farm work if a key person falls ill. These decide 50 points out of a hundred.
Score shows how the company does on our comparison criteria, on a 0–100 scale. Rankings cannot be bought.
Basic metrics · 65.3
+ The only company in the comparison with a separate Crop insurance product page, four levels of cover, and per-hectare compensation for weather events (hailstorm, flood, prolonged rain)
Basic metrics: 65.3, rank 1 · no change
Basic metrics · 52.8
+ The most comprehensive livestock insurance: covers all kinds of production animals, from alpacas to poultry and from cattle to pets
Basic metrics: 52.8, rank 2 · no change
– Absence of a key person: If's farm insurance page mentions business interruption losses and staff protection in general, but not key person insurance, and the company's business interruption insurance page does not say which absences of a person are covered.
Basic metrics · 42.7
+ Maatilan turva farm insurance terms (valid from 1 January 2024) downloadable directly from the site, the most comprehensive terms documentation in the comparison
Basic metrics: 42.7, rank 3 · no change
– Animal illness is compensated: The Maatilan turva terms state that production animals are covered by the insurance only under a separately marked additional cover, but the terms of the additional cover are not published on Fennia's farm damage page or in the Maatilan turva terms.
Basic metrics · 42.2
+ Strong rural roots: a mutual company founded in Hämeenlinna, traditionally popular on farms in Kanta-Häme and Pirkanmaa
Basic metrics: 42.2, rank 4 · no change
– Animal illness is compensated: The livestock insurance product description lists risks that can be chosen, but there is no quotable sentence on illness compensation, and Pohjantähti's website has no livestock insurance product page.
Weights are fixed. All companies are measured on the same scale. Read the full methodology.
| Buying motive | What is measured | Scale | Weight |
|---|---|---|---|
| Animal illness is covered QUESTIONIs the loss of production animals also covered in case of illness? | The company states on its own page that the production animal insurance can be extended to cover the loss of an animal as a result of illness. | Yes = 100 points, No = 0. | 22 p |
| Absence of a key person QUESTIONDoes the insurance cover the continuation of the premises' work if the entrepreneur or a key person is unable to work? | Triggering causes of personal business interruption insurance. | Illness and accident = 100, accident only = 50, none at all = 0. | 16 p |
| Crop from weather events QUESTIONCan I also insure the crop against weather events? | Crop-failure protection in the company's terms or on the product page. | Weather events (for example hail, drought, rain) = 100, fire damage only = 20, none at all = 0. | 12 p |
| Basic metrics | Digital quality, transparency, reachability and AI quality score | Basic metrics × 0.5 | 50 p |
Farm insurance covers the farm's buildings, machinery, livestock and crops, but you cannot get a price without a request for a quote, and not every insurer covers crop damage or animal damage caused by predators. We scored 4 insurers on 18 metrics. The key question: who states the coverage most clearly and who also covers crop and predator damage?
A farm insurance policy is the farmer's most comprehensive insurance product: it combines buildings, agricultural machinery, livestock and often liability insurance in one contract. Crop insurance and predator damage cover are usually separate add-on covers or products.
Annual premium or price example for an ordinary grain farm is available online without mandatory contact (35), insurance of production buildings (barns, machinery sheds, grain dryers) is described on the product page or in the terms (20), compensation for the death or emergency slaughter of production animals is mentioned on the product page or in the terms (20), crop insurance or crop loss compensation (weather events, frost, hail) is included or offered as additional cover (15), predator damage compensation (wolf, lynx, bear or other protected predator for livestock) is mentioned on the product page or in the terms (10)
Transparency is 30% of the basic metrics, i.e. 15% of the total points · these metrics make up its 100 points · the full formula and the other pillars
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer experience is brought into the assessment separately. We also collect customer feedback and customer experiences about companies through separate surveys. The survey results will be added to the overall assessment later.
OP/Pohjola is not included in the comparison. OP sells farm insurance, but the product pages are JS-rendered and the content cannot be fetched reliably. Ask for a quote directly from OP.
Crop insurance is a separate product. Not all insurers offer crop damage compensation as part of basic farm insurance. LähiTapiola's Satovakuutus is the only named crop insurance product in the comparison with its own product page.
Predator damage is a growing risk. Livestock damage caused by wolves, lynx and bears has increased, especially in Western Finland. Always check whether the chosen insurance covers damage caused by protected large carnivores.
Ownership: LähiTapiola, Fennia and Pohjantähti are mutual insurance companies, i.e. owned by their customers. If belongs to the Sampo group. Some of the links may be advertising links; they do not affect the scores.
Every company is measured with the same public formula: half of the points come from buyer's questions and half from basic metrics, which have four pillars: technical quality, transparency, reachability and AI quality score. Ranking cannot be bought, and you can see the origin of each point on the company's profile. Read the full methodology →
A basic farm insurance usually covers the farm's buildings (cowshed, machinery shed, grain dryer), movable property and agricultural machinery, and agricultural liability. Production animals, crop damage and predator damage are often separate extra covers or products.
Predator damage coverage varies by insurer. In Finland, damage caused by wolves, lynx and bears to production animals is often compensated under production animal insurance, but coverage should be checked in the policy terms before taking out the insurance.
Crop insurance compensates for crop loss caused by weather events (hailstorm, flood, prolonged rain, frost). It is usually added to the basic farm insurance as extra cover. For grain farms crop insurance is often justified, especially because of the extreme weather events that have become more common in recent years.
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