Insuring Your Assets
From your home and vehicles to your business, farm, and liability exposures—we’ve got you covered. Our general insurance advice is designed to give you peace of mind, no matter the size or shape of your assets. With access to a wide range of insurers, we tailor solutions to suit your needs.
Business Insurance
Businesses face many risks. This maybe from damage to assets or interruption of business from external factors like floods, fire, burglary or accident. Business Insurance assists in overcoming these so your business can carry on. There are a number of different types of insurance a business may require including:
Material Damage
Material damage can cover the business for the physical loss or damage caused to assets by natural disasters including weather events, earthquakes, and losses due to fire burglary and accident. This cover is essential for anyone who owns commercial buildings, equipment or stock
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General Liability
This provides protection for liability from damage to third party property or bodily injury. This type of cover is important for anybody who occupies or leases property in connection with their business, and/or provides a service away from their premises (such as a decorator, painter, motor mechanic, electrician, plumber).
Farm
Cover to help safeguard your home, farm buildings, livestock, vehicles, equipment and against loss of income. Farm insurance can be tailored to cover your home and farm buildings, livestock, vehicles, equipment and more. It can also safeguard you against theft and loss of income.
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Business Interruption
A business’ loss can be more than just the loss of a business asset. The asset loss may cause interruption to your normal business operations and that financial cost may even be more than the cost of the loss of the asset. Business interruption can assist the business survive by helping recover your loss of profit.
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Contract Works
This is important cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, injury, theft and product or public liability.
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Marine
Protects your business from loss or damage to vessels and cargo as well as the delivery and storage of goods. Marine insurance is important for businesses involved in shipping or receiving goods, operating watercraft commercially, repairing vessels, running a marina and more.
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Commercial Motor
Commercial motor insurance is similar in manner to personal motor insurance in that is allows an entity to take out comprehensive cover, third party cover, or third party, fire and theft cover. Commercial motor cover may extend to commercial vehicles, company cars, business fleets, company cars and business fleets.
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Cyber
Provides business owners peace of mind and protection against cyber-attacks, such as computer hacking, ransomware or data theft. Every business that has a website or electronic records is vulnerable to cybercrime or an accidental data breach – and the consequences of a cyber-incident can be very costly.
Professional Risk
Professionals are expected to act with duty of care. If you provide any professional service involving advice, specialist knowledge or expertise, a consultancy, Professional indemnity provides cover against the costs of legal action and claims arising out of professional error or omission.
Professional Indemnity
Professional indemnity insurance provides protection against liability costs arising from the provision of incorrect or faulty professional advice or design, as well as defamation. Cover includes defence costs and legal expenses.
Tech Liability
Provides cover for tech companies that provide consulting, software development, web design, hardware distribution, cloud storage and similar services. Covers the common risks such as contractual liability, project delays and cyber security breaches.
Directors and Officers
Provides protection for directors and officers for wrongful acts committed within their capacity as a director or an officer. Cover includes defence costs.
Management Liability & Other
This package is designed to cover the management exposures of New Zealand SME private companies. Providing cover for Directors & Officers Liability, Entity, Employment Practices Liability, Trustees Liability and Crime and protecting the company and its senior management for claim related to decisions made in running of the business.
Statutory Liability
Statutory Liability policy covers defence costs for alleged breaches of most statutes that your business is subject to, as well as costs associated with representation at an investigation or inquiry, It also covers legally allowable fines and reparations following Health and Safety at work act breaches.
General Liability
General Liability insurance covers Public Liability and Products Liability arising out of your business with should you, your employees or your products cause third party property damage or personal injury. This policy can pay for the costs of defending these claims in court, plus any settlements or damages that might be awarded against the insured.
Domestic Insurance
Our homes, cars and other private assets (boats and toys) are some of our most significant investments. It is important to get sufficient cover to protect you financially and to provide you with peace of mind should something go wrong.
Home
​Home Insurance: covers your building against flood, fire, explosion, natural disasters such as earthquake, storms or lightning strikes, damage by vandalism or break-in, and liability to third parties.
Contents
​Contents Insurance: protects your valuable possessions, such as furniture, electronic items, whitegoods, sporting equipment, artwork and jewellery – so you can repair or replace them if they are damaged or stolen.
Cars
​You depend on your vehicle for freedom and flexibility. So, it’s great to know that if it gets damaged or is written off, you’ve got the cover you need to get you back on the road as soon as possible. Motor insurance includes a range of covers to suit every driver and vehicle type.
Boats / Planes and Toys
Whatever kind of boat or other toy you may have we can help you find the right insurance for it. Boat insurance includes damage or loss of your own boat as well as damage to other vessels, people or property such as marinas.