We are experts in insurance protection.
In personal and business affairs, the correct insurance is vital. We know that interpreting insurance policies isn’t easy, so it is critical to have a knowledgable partner alongside you to help achieve adequate cover that is suitable to your needs. We take the time to listen, understand your requirements, and offer personalised advice to prevent costly mistakes.
We are independent, with an in-depth knowledge of the insurance market and are able to provide professional, objective advice on identifying risks and exposures, whilst recommending suitable insurance protection. You can trust us to get you the best possible deal whilst standing beside you in the event of a claim to ensure fair settlement.
As a member of NZBrokers we have agreed wordings with certain Insurers – NZBrokers is an association of independent, New Zealand-owned insurance brokers who provide unique solutions, quality service and specialised products.
We pride ourselves on local advice, however, by being part of NZBrokers, we offer the added buying power and coverage benefits of a large firm.
INSURANCE COVER
Business
insurance
When you own a business, the most obvious things you need to insure are your buildings, plant and stock. But is your business also protected from loss of profits resulting from business interruptions, and all the liabilities faced on a day to day basis?
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Material Damage
Business Interruption
Public Liability Insurance
Statutory Liability
Employers Liability
Directors & Officers Liability
Professional Indemnity
Cyber Liability
Machinery Breakdown
Commercial Motor
Marine
House
insurance
As one of your most valuable assets, we know how important it is to you to know that your home is insured effectively.
House insurance protects you if your home is damaged or destroyed in an unforeseen or catastrophic event such as a natural disaster or fire.
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Full Replacement Value
Should the worst happen and your house is destroyed, your home will be replaced using today’s building materials and methods.
Farm
insurance
Farming comes with many risks. It is important that you not only have insurance cover for your assets, but also for farm interruption, liability, machinery breakdown and livestock.
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Replacement Value
Should the worst happen and your house is destroyed, along with its contents, they will be replaced. There are some exceptions to this, which vary from one insurance company to another.
B & B
insurance
Bed and Breakfast accommodation falls into a grey area when it comes to insurance. Because we go above and beyond to offer you the best protection we have developed a B&B specific policy with a leading underwriter. This package combines elements of domestic and commercial policies.
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— Buildings
— Personal contents
(incl. items used by B&B operation)— Business interruption
— “Broadform” public liability
— Statutory liability
— Innkeepers liability
— Punitive and exemplary damages
— Bodily injury to guests
— Motor vehicles
— Transit
— Dinghies, kayaks, canoes
— Money
Tradie
insurance
We have made available an inclusive package tailored for tradesman that includes liability, tools and vehicles.
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— Defective workmanship
— Employers Liability
— Statutory Liability
including LBP— Loss of Use of vehicles
— Tools and Plant
— Stock
Contents
insurance
Even the smallest home can contain property worth thousands of dollars.
In the event of a catastrophe, contents insurance allows you to replace the contents of your house like furniture, clothing etc, as well as outdoor items like sporting equipment and gardening tools.
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Farm Assets
Covers buildings, irrigation, plant/ equipment and stock (includes milk, irrigation, hay, straw, wool, deer velvet and the like) for accidental and sudden loss or damage.Farm Interruption
Covers increased costs to maintain normal operations following a farm assets loss, also covers lost or reduced income following a loss.Farm Liability
Very similar to Broadform Liability but specific to farm risks. Also available is Statutory and Employers Liability cover normally included as an extension to the farm liability policy.Machinery Breakdown
Almost exclusively used by farmers to cover pumps. Submersible pumps in particular are very expensive to fix as the cost also involves lifting the pump to the surface.Livestock Insurance
Covers farm livestock for death caused by specified events (e.g. fire, lightening accident to the means of conveyance etc). Cover can be extended to accidental death by any cause for specified animals (stud stock and dogs).
Motor vehicle
insurance
Owning a car involves risks which can be protected by motor vehicle insurance. When a car accident occurs, people and vehicles (or other property) may be damaged. Damage can also occur through theft, vandalism, or natural disasters.
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Third Party
Offers protection against damage or loss to the other vehicle or party – your own vehicle is not covered.Third Party Fire and Theft
Same cover as Third Party, plus additional cover if your vehicle is stolen or damaged by fire.Full or Comprehensive Insurance
Covers you for damage to your own vehicle and to the vehicle of the other party or parties.Other vehicles
Caravans, motorcycles and pleasurecraft.
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