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Commercial insurance

No two businesses are the same, so why hand out the same products and policies without any customisation at all? It is our job to take over the responsibility of ensuring your commercial insurance is as broad as possible, so you shouldn’t worry about your cover and can get on with running your business. We work stronger together, as partners who understand your day-to-day to create broad cover to help protect your operation or commercial property from unexpected challenges.

Business insurance

Business insurance

From protecting physical equipment to unforeseen risks like legal liabilities and business interruption, there's no one size fits all to business insurance. Developing the right cover requires your insurance broker to discuss your day to day operations and industry challenges to find the most worthwhile protection, which is what we do.

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Commercial property insurance

Commercial property insurance

When it comes to commercial property insurance we're created a simple process to help guide you through insuring buildings, income and liabilities that arise from owning commercial property and we will tailor the cover to suit your specific risks.

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Residential property investment insurance

Residential property investment insurance

Although different to commercial property, residential property investment comes with its own costly risks including accidental damage, methamphetamine contamination or rental loss (all which could make the investment financially unviable), Eliminate a huge amount of what-if’s with robust and cost-effective property investment insurance for your portfolio.

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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 everything from freight forwarders, personal pleasure crafts, commercial hulls, liabilities and building boats, to moving cargo, whether importing, exporting, internal NZ, for yourself or other parties.

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Professional services

Professional services

When your product is the advice, design or guidance you offer then it’s essential to protect yourself, your organisation and your professional standing from the costs of defending yourself and/or awards against you from errors and/or omissions you make as a professional. Talk to our insurance brokers about professional insurance options.

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Cyber insurance

Cyber insurance

Cyber insurance protects you during cyber-attacks. Whether from a data breach, malware, ransomware, virus or something more serious; we’re able to source cyber insurance cover that protects you from third party claims, business interruption and the remediation costs your business faces.

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Solutions we offer

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.

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.

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