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.
As a 100% New Zealand owned broker, we are not tied to any single insurer. We access a wide panel of New Zealand and international insurers to structure cover that genuinely protects your assets, people, and income.
Material Damage and Business Interruption
Protection for your buildings, contents, plant, and loss of income following an insured event.
Public Liability
Covers third-party bodily injury and property damage arising from your business operations, products, or premises.
Employers Liability
Protection where employee claims fall outside ACC, including gradual process claims and certain mental injury claims not covered by ACC.
Professional Indemnity
Cover for claims arising from errors, omissions, or negligent professional advice or service.
Management Liability
Directors & Officers, employment practices liability, and crime cover in a single combined policy.
Commercial Motor Fleet
Fleet policies for cars, vans, trucks, and specialist vehicles with agreed value options.
Cyber Insurance
First and third-party cyber cover including data breach response, ransomware, and business interruption.
Tech Liability
Professional indemnity and liability cover tailored for technology businesses, software providers, and IT service companies.
Statutory Liability
Covers defence costs for regulatory proceedings and any insurable fines or reparation costs ordered by the Courts. Fines imposed under the Health and Safety at Work Act 2015, Employment Relations Act 2000, or any legislation where indemnification is prohibited by law are not covered.
Contract Works and Cancellation
Covers physical loss or damage to works under construction, including materials, plant, and temporary structures. Cancellation cover protects against financial loss from events that prevent a project or engagement from proceeding.
Marine and Freight Forwarders Liability
Covers goods in transit by sea, air, or road, along with the legal liability of freight forwarders for loss or damage to cargo in their care, custody, or control.
Specialty Lines
Complex risks need 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.
Classes we place
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.
Franchise Networks
Consistent cover across your entire franchise group with centralised administration.
Industry Associations
Programmes tailored to the shared risk profile of your membership base.
Group Buying Power
Collective placement means better terms and pricing than individual policies can achieve.
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.