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Commercial insurance solutions

No two businesses are the same, so your insurance should be designed for the unique risks and challenges of your operation. That’s why our Cover First approach works so well for our clients. GSI’s commercial brokers take the time to understand your day-to-day operations and long-term strategic plans, and create a tailored solution that gives you the protection you need.

We can help to provide insurance that covers your business so well, you don’t have to worry about anything other than doing your job.

Our solutions include: Legal Liability | Business Interruption | Commercial Property | Cyber | Professional Indemnity | Vehicles & Assets | Management Liability | Marine & Cargo

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Business insurance

Business insurance

From protecting physical equipment to managing legal liability, there's no one size fits all to business insurance. We take a strategic approach to insurance, working in partnership with our clients to find the most worthwhile protection. Talk to us about a comprehensive solution that covers your whole operation.

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Commercial property insurance

Commercial property insurance

Our team are highly experienced in commercial property insurance. We can guide you through the process of assessing, mitigating, and insuring against the specific risks of your commercial property portfolio.

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Cyber insurance

Cyber insurance

With cyber crime on the rise in New Zealand, cyber insurance is more important than ever before. Cyber cover protects you during cyber-attacks, whether that’s a data breach, ransomware, virus, or something more serious. We’re able to source cover that protects you from third party claims, business interruption and remediation costs.

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Professional indemnity

Professional indemnity

When your product is the advice, design or guidance you offer, it’s essential to protect yourself from the financial and reputational impact of errors and/or omissions. No matter how competent you are, anyone can make mistakes; professional indemnity cover gives you peace of mind.

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Residential property investment insurance

Residential property investment insurance

Residential property investment comes with its own set of risks, including accidental damage, substance contamination or rental loss, all of which could make your investment unviable. Eliminate the what-ifs with robust and cost-effective property investment insurance.

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Marine and cargo

Marine and cargo

With an ex-marine underwriter on the team, we understand the risks that are inherent to marine and transit industries including freight forwarders, commercial hulls, boatbuilding, moving cargo, importing, and exporting.

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Solutions we offer

Professional indemnity insurance

When your advice, design, opinion or ideas are your product, you have a responsibility to insure against errors and/or omissions that may lead to a financial loss to you, your business or your clients. No matter how professional and competent you are, anyone can make mistakes and that is why it is important to protect yourself with a professional indemnity policy that is tailored to the specific risks of your business.

Material damage

From boutique cafés to large warehouses and manufacturing plants, protection against material damage requires in-depth knowledge as unique as your operation. Your insurance broker can protect any physical asset involved in generating your profit. This includes assets like buildings, plant, machinery at the insured location and, where necessary, anywhere in New Zealand including whilst in transit.

Business interruption insurance

Time equals money and business interruption is one of the most underrated policies. A well tailored business interruption insurance policy will put you back in the same position you were in prior to a loss being incurred under your material damage policy such as fire or natural disaster. Your insurance broker will work with you to calculate everything from what should be insured, the sums insured and will include recommendations on the indemnity period. Even better, we do this every year for you.

Business vehicles

Protect everything from your sole work vehicle to your entire fleet. This includes, but isn’t limited to cars, trucks, vans, fork hoists and scissor lifts.

Financial risks

Risk is inherent to business, but those that apply to yours may not apply to others. That’s why we take the time to identify and understand the unique challenges of your industry to create the broadest cover possible and address your particular concerns. This can include the likes of computer fraud, crime and fidelity.

Legal liability

We understand the options to protect you or your business from legal liability must seem like a never-ending story at times. That is why we take the time to understand your business activities, so we can clearly advise you on the policies you require to protect you from obvious risks, and some you may not even realise you have. Your insurance broker will advise you on a range of polices including the likes of general liability (sometimes called public liability), statutory liability, directors & officers liability, through to employee related policies such as employment dispute insurance.

Unmanned aerial drone (UAV)

We can source cover for your drones on a replacement value basis that will protect you from accidental loss including damage whilst in use through to the legal liabilities that may arise if your drone was to fall out of the sky including general liability (public liability) and statutory liability.

Transportables, relocations, commercial builders

Working with Laing Properties

It wasn’t long before Sean had to deliver on what he had promised. Only a month after appointing Sean, the company was faced with the first Christchurch earthquake.

Read our Laing Properties case study here