Insurance  ·  Advice  ·  Advocacy

Your Trusted
Partner in
Insurance.

When the conditions turn, preparation is everything. We structure your cover before it matters.

FSP Licensed
20+ Years NZ Market
100% New Zealand Owned & Operated
For business owners

Cover That Holds Up
When It Counts.

20+

Years Experience

1

Adviser

For your business and personal insurance

100%

Independent

Running a business is complicated enough. Your insurance shouldn't be. With 20 years of experience across New Zealand's insurance market including time on the insurer side we bring a depth of understanding that shapes how cover is structured and how it performs when it matters. One dedicated adviser, directly accountable, who knows your business and is there when you need them.

No call centres. No being handed off to someone who doesn't know you. As a 100% New Zealand owned broker, we work for you not the insurers with access to the full market to find the right fit at the right price.

Insurance

Commercial and personal cover under one roof structured by the same adviser who knows your whole picture.

Advice

Clear, impartial guidance that cuts through the complexity of your policy options.

Advocacy

We stand in your corner at claim time and negotiate on your behalf.

Network Strength

Strength in Numbers

Stainton & Co. is proud to be part of the Steadfast Network, Australasia's largest general insurance brokerage group. We leverage the network's scale and market strength to access exclusive policy wordings, enhanced coverage, and deliver better outcomes for our clients.

0

Gross Written Premium

Across the Australasian market.

0

Products & Services

Access to over 160 products and services through the network.

0

Policies Managed

Steadfast brokers manage over 2.3 million policies across Australasia.

What We Cover

Commercial Insurance for
New Zealand Businesses

We work for you, not the insurer. As a 100% New Zealand owned broker, we take the time to understand your business before we go to market. We access a wide panel of New Zealand and international insurers to structure cover that genuinely protects your assets, people, and income.

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01

Commercial Insurance

The core of any sound business risk programme. We work with businesses of all sizes to review your full exposure and structure cover that responds when you need it. Whether you're a growing business or a mid-market company with a more complex risk profile, we go to market on your behalf and negotiate terms accordingly.

Cover can include:

  • Material Damage and Business Interruption
  • Public and Statutory Liability
  • Employers Liability
  • Professional Indemnity
  • Management Liability
  • Commercial Motor Fleet
  • Cyber Liability

Policy coverage, terms, and exclusions vary between insurers. Speak with us directly to understand what is and is not covered under your specific policy.

02

Specialty Lines

Complex risks need specialist market access. These risks require specialist market knowledge and a broker with the experience to place them correctly. We work with the New Zealand insurers who write these lines, and where the local market cannot respond, we have direct access to Lloyd's of London.

Cover can include:

  • Aviation
  • Body Corporate
  • Commercial Property
  • Construction and Contract Works
  • Events and Contingency
  • IT Contractors and Companies
  • Lloyd's of London placements
  • Marine Cargo and Hull
  • Motels and Accommodation
  • Motor Vehicle Dealers
  • Photographers
  • Rural and Agricultural
  • Cyber and Technology Risks
03

Schemes, Franchises and Associations

Purpose-built insurance programmes for groups. We design and manage insurance programmes for franchise networks, industry associations, and membership organisations across New Zealand. A well-structured scheme delivers consistent cover for every member, removes the gaps that individual placements create, and gives the group the collective buying power of a single programme. If you run a franchise network, manage an industry association, or represent a group of businesses with shared exposures, we can build a programme around you.

04

Claims Advocacy

We manage your claim. You focus on your business. When you need to make a claim, we do the work. We lodge, track, and negotiate on your behalf. When the settlement offered falls short of your full entitlement, we push back.

  • Claims Lodgement and Management
  • Insurer Negotiation
  • Dispute Resolution
  • Post-Claim Review
05

Private Client

Standard retail insurance is not built for high-value assets. If you have a premium home, a collection, a prestige vehicle, or a boat, standard policies will often fall short at claim time. We access specialist insurers who provide agreed value cover, broader terms, and claims service that matches the asset being protected.

Cover can include

  • High Value Homes and Contents
  • Fine Art, Jewellery and Collections
  • High Value Motor Vehicles, including Collections
  • High Value Pleasurecraft
  • Personal Liability
  • Travel
06

Personal Insurance

Available to existing commercial clients. If your business insurance is already with us, we can also manage your personal cover. Consolidating under one relationship keeps things simple and ensures nothing falls through the gaps.

  • House and Contents
  • Motor Vehicle
  • Boat and Marine

*Policy coverage, terms, exclusions, and conditions vary between insurers. The descriptions on this page are a general guide only. Speak with us directly to understand what is and is not covered under your specific policy.

How We Work

How Stainton & Co. Supports Your Business

Insurance should reflect how your business operates. At Stainton & Co., the focus is on understanding your activities, identifying where risks may arise, and structuring insurance solutions that properly support your business. Clear advice and ongoing support help ensure you can make informed decisions about protecting what you have built.

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Proactive Advice

A proactive approach is taken to managing risk. By understanding how your business operates and how those risks can change over time, your insurance programme can remain appropriate as your business evolves.

Clear Communication

Insurance can quickly become complex. The focus is on explaining coverage clearly so you understand what your insurance does, how it responds, and where potential gaps may exist.

Perspective

Understanding how your business operates provides the right perspective when structuring insurance. Cover can be arranged to better reflect how your business runs.

Experience That Matters

Extensive experience across commercial insurance and risk management helps clients navigate policy structure, insurer expectations, and evolving business risks.

Strong Market Relationships

Strong working relationships are maintained with New Zealand's leading insurers and selected specialist markets, helping secure competitive terms and access broader solutions when required.

Claims Support

When a claim occurs, Stainton & Co remains actively involved helping manage communication with insurers and working towards a fair and efficient outcome.

Client Stories

What Our Clients Say

“Fraser reviewed our entire programme and identified gaps we hadn’t considered — including D&O and management liability cover that was clearly missing. He restructured our coverage, added what was needed, and still reduced our overall premium. Thorough advice and a better outcome than we expected.”

AT

Adam T.

Technology Director

“Stainton & Co. secured us superior coverage to what we had in place and provided practical risk management recommendations we hadn’t anticipated. They also guided us through obtaining an independent valuation to make sure our sum insured was correctly assessed.”

SM

Sue M.

Body Corporate Chairperson

“We’ve worked with Fraser for years — well before Stainton & Co. was established. Over that time we’ve had several liability claims and every one has been managed properly from lodgement through to settlement. He knows our business, has the right cover in place, and is there when it counts.”

MR

Mark R.

Business Owner

“Our business had grown to a point where our previous broker simply wasn’t keeping up. Stainton & Co. reviewed our programme and put coverage in place that actually reflects the scale and complexity of our development work today. Long overdue.”

JH

James H.

Property Developer

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Ready to Protect
What Matters Most?

Book a call with our adviser. We'll review your current cover and identify opportunities to better protect you.