Coromandel based. New Zealand wide.

Usually not. In most cases our payment is the brokerage deducted from the premium you pay the insurer, and we disclose that to you before you buy. We may charge a fee in two situations: if you ask us to review a large or complex programme that takes a lot of time, or if you want our expertise on a matter where we aren't your broker, such as a claim placed elsewhere. If a fee applies, we'll tell you what it is and agree it with you before we start.

No. We are a full service brokerage working across residential, commercial, body corporate, rural, marine and aviation, and the same team handles all of it. One week that is contents cover for a holiday apartment; the next it is the body corporate programme for a large strata block, a commercial fleet, a working farm, a 60 foot launch or the aircraft its owner flies in on. Small risks get the same care as large ones, and large ones get the Steadfast markets and wordings they need.

As a Steadfast Group member we access New Zealand's major insurers, including NZI, Vero, AIG, Ando, QBE, DUAL and specialist markets, and place your cover with whoever best fits your risk, not whoever pays us most.

Yes, that's half the point of a broker. We lodge the claim, deal with the insurer and assessors, and advocate for you through to settlement. Tell us about a loss online, email [email protected] or ring us.

Yes. It can read our details, request quotes and book call backs through the facilities above. A broker reviews everything, and we'll always confirm important steps with you directly before cover changes.

CIS Brokers Ltd (FSP713752), trading as Coromandel Insurance Services, holds a full Financial Advice Provider licence issued by the Financial Markets Authority. There are no special conditions on the licence.

We give financial advice on general insurance: business and commercial property, business interruption, body corporate and strata, liability, commercial and private motor and fleets, marine and boat, aviation, rural, house and contents, travel, contract works, trade credit and more. We don't advise on life, health or medical insurance or mortgages; for those we refer you to Coromandel Insurance Services Limited, which holds its own financial advice provider licence, and its adviser David Enright.

AIG, Allianz, Ando, Berkshire Hathaway, Chubb, Certain Underwriters at Lloyd's, DUAL, IAG (NZI and Lumley), QBE, Vero, Zurich and a wide range of specialist New Zealand and overseas markets, accessed through our membership of the Steadfast Group.

In most cases we are paid by brokerage: a percentage of the insurer's premium, which the insurer deducts from what you pay and passes to us. You don't pay it on top. That brokerage is our payment for arranging and managing your insurance, reviewing it with you each year, handling changes during the year, and our time managing your claims. We earn nothing extra when you claim.

What we are not paid on. A good part of your bill isn't premium at all. We receive nothing on the Fire and Emergency levy, the Natural Hazards Commission levy (formerly EQC) or GST. Those go straight to FENZ, the Natural Hazards Commission and Inland Revenue, and the insurer simply collects them.

A worked example. Here is how a typical house policy might break down. The figures are illustrative and the brokerage rate varies by insurer and class of cover, but the shape is the same for every policy.

So on a house premium of just under $3,000, $390 comes to us for the year's work, and about a third of your bill is levies and tax that nobody earns brokerage on. The brokerage rate is lower on the natural disaster part of the premium than on the company premium, and both rates vary by insurer. We'll show you the actual brokerage on your own policy whenever you ask.

Other things to know. For some work we may charge a fee instead of, or as well as, brokerage, and we agree that with you first. If you cancel cover part way through the year we may keep some or all of the brokerage or fee. If you pay by instalments through premium funding, the funding company pays us a commission on the amount funded, which we disclose before you decide. We keep a register of conflicts of interest, gifts and incentives, and if we ever see a conflict, real or perceived, we'll raise it with you.

Under the Financial Markets Conduct Act 2013 we must give priority to your interests, exercise care, diligence and skill, and meet the competence and conduct standards set by the Code of Professional Conduct for Financial Advice Services. More information is available from us or at fma.govt.nz.

John Grant (FSP680051), phone 021 351 922. Dave Enright (FSP683131), phone 021 778 805. Jennie Gillibrand (FSP1010404), phone 07 280 4581. All can be reached through the office on 07 868 7301.