Home Insurance
In most cases, your home is the biggest investment you and your family will ever make, so it makes sense to protect that investment in the best possible way.
We can provide cost-effective home insurance cover for most of your most important assets including:
- Home and contents – Cover for you home and contents from loss or damage
- Motor Vehicle – Comprehensive, third party/fire and theft or third party cover in the event or accidental damage.
- Boat – Comprehensive cover for your boat or jetski for accidental loss or damage.
In addition to the above, the HELP service is available 24/7 in the event of an emergency at no additional cost.
Business Insurance
How would your business cope if its assets were damaged or lost? Your business needs its property and assets, just to keep functioning. If anything does go wrong you need to be sure things can be restored so your business is up and running as soon as possible
- Commercial Packages – cover for business premises, vehicles & equipment
- Material Damage Insurance – cover for accidental loss or damage to your insured property at your business premises including burglary
- Business Interruption Insurance – cover for lost business as a consequence of damage at your business premises
- Machinery Breakdown Insurance – covers for accidental breakdown of your electrical and mechanical plant at your business premises
- Goods in Transit – covers you against accidental loss or damage to your property while in transit in New Zealand
- Commercial Motor Vehicle Insurance – cover for accidental loss or damage to your insured vehicles
- Broadform Liability – cover for compensation consequent upon personal injury or damage to property
- Personal Income – cover for loss of income as a result of injury or illness
- Other types of cover are also available including – Directors & Officers Liability, Professional Indemnity, Employer’s Liability, Personal Disability, Insurance and Statutory Liability, Employee fraud.
Rural Insurance
We can provide the following protection for your rural business:
- Dwellings; Accidental loss or damage to your home on the farm.
- Domestic Contents; At and away from home cover for accidental loss or damage.
- Farm Buildings and Assets; Loss or damage to your buildings, plant and machinery in the event of an unexpected insured event.
- Farm Vehicles; Comprehensive, Third Party Fire & Theft or Third Party only.
- Liability; Cover for your legal liability to pay compensation for damage to property or personal injury occurring from your farming operation.
- Machinery Breakdown; Accidental damage to machinery involved in your farming operation.
- Private Vehicles; Comprehensive, Third Party Fire & Theft or Third Party only cover.
- Boats; Comprehensive cover for your boat or jetski.
Life Insurance
Life can throw the unexpected at you therefore protecting your life and lifestyle is all about being prepared for the unexpected. Ensuring you and your family are looked after financially is key.
We provide a variety of life and lifestyle insurance options;
- Crisis Cover: Receive a lump sum if you suffer a major illness or injury
- Life Cover: Receive a lump sum payment when you die or if you become terminally ill
- Disability Cover: Receive a lump sum that will help make life easier if you become totally and permanently disabled and unable to ever work again
- Income Cover: Receive up to 75% of your income if you can’t work because of illness or accident
- Home Loan Cover: Covers your mortgage in the event of your death, illness or accident, and offers optional cover for redundancy and bankruptcy
Public Liability Insurance
Public Liability Insurance or PL Insurance protects you and your business against for loss or damage to other people’s property. Cover is also provide against illness or injury that is not covered by the Accident Compensation Commission (ACC).
Do I need Public Liability Insurance?
If your business has.
- Consultants/Contractors/ Tradespeople who work from home or visit their clients’ premises
- An office, showroom, shop or any premises where your customers or members of the public visit
- Interact with the general public
Then yes, PL Insurance is important to your business as the cost to the business, if found liable for damage can be high.
Professional Indemnity Insurance
Professional Indemnity Insurance or PI Insurance is designed for professionals who provide advice or a service to their clients.
PI Insurance protects you and your business in the event that that someone suffers or claims to have suffered a financial loss due to the advice your have given or failed to give or if they have misinterpreted the advice you have given to them.
Do I need Professional Indemnity Insurance?
If you or your business;
- Provides paid professional advice or services to any business or individual (eg accountants, real estate agents, engineers)
Then yes, PI Insurance is important to your business to protect against potential liability.