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Commercial insurance

No two businesses are the same, so why do some brokers hand out the same products and policies without any customisation at all? Ultimately, it is our job to take over the responsibility of ensuring your businesses coverage is as broad as possible, so you shouldn’t have to worry about insurance and can get on with running your business. That’s why we work stronger together, as partners who understand your day-to-day and create cover that is broad to help protect you from risk and unexpected challenges.

Business insurance

Business insurance

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

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Commercial property

Commercial property

When it comes to insuring commercial property you will find us to be very effective and efficient. At GSI we have created a simple process to help guide you through insuring the building, income and liabilities that arise from owning commercial property and we will tailor the cover to suit your specific property and risk requirements.

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Residential property investment

Residential property investment

Residential property investing comes with its own set of risks. Protecting yourself against costly challenges like accidental damage, methamphetamine contamination or rental loss (all which could make the investment financially unviable), can eliminate a huge amount of what-if’s when investing. We offer robust and cost-effective cover options 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 insuring freight forwarders, your own pleasure craft, commercial hull, liabilities and building boats, to moving cargo, be it importing, exporting, internal NZ, for yourself or other parties

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Professional services

Professional services

Did you know you can insure yourself against errors and/or omissions you make as a professional? 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.

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Cyber insurance

Cyber insurance

Modern businesses require cover against cyber-attacks. Whether it’s protecting yourself from a data breach, malware, ransomware, virus or something more serious; we’re able to source 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 and bike shops to large warehouses and manufacturing plants, protecting you against material damage requires and in-depth knowledge as unique as your operation. We can, and will, protect any physical asset involved in generating your profit. This includes assets such as buildings, plant, machinery at the insured location and where necessary anywhere in New Zealand including whilst in transit.

Business interruption

In many respects, time does equal money and business interruption would have to be one of the most underrated policies. A well designed and tailored business interruption 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. As business owners ourselves it’s one reason why we don’t take our ability to provide cover for the unexpected interruptions that can occur lightly.We will work with you to calculate everything from what items should be insured, the sums insured and will include recommendations on the indemnity period and even better we will 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 work stronger together, taking 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 list of policies you can buy to protect you or your business from legal liability must seem like a never-ending story at times. That is why we will take the time to understand your business activities, so we can clearly advise you on the policies you require to protect you from the risks you are most concerned about and some you may not even realise you have. We 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

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