Guides & advice
Insurance, explained plainly
Straight-talking answers to the questions we hear most - no jargon, just useful guidance from brokers who do this every day.
Why Use an Insurance Broker?
An insurance broker is your adviser and advocate - they structure the right cover, shop the market on your behalf, and stand in your corner at claim time. Here's what that means in practice, and how brokers are paid.
Read the guide 4 min readInsurance Broker vs Going Direct: Which Is Right for You?
Buying direct is quick and simple. A broker takes a little more setup but brings advice, market access and an advocate at claim time. Here's how they compare so you can choose with your eyes open.
Read the guide 5 min readHow Much Does Business Insurance Cost in NZ?
There's no single price for business insurance - it depends on what you do, what you're protecting, and how much risk you carry. Here's what actually drives the cost, and how a broker helps you pay for the cover you need and not for cover you don't.
Read the guide 5 min readCommercial Property Insurance in Hawke's Bay After Cyclone Gabrielle
Cyclone Gabrielle reshaped how insurers view Hawke's Bay commercial property, especially in flood-exposed areas. If you own or lease a commercial building in the region, here's what's changed and how to keep it properly - and affordably - insured.
Read the guide 4 min readWhat Is Contract Works Insurance?
Contract works insurance covers a building or construction project while it's being built - the structure, materials and labour - against loss or damage before it's handed over. Here's what it covers, who arranges it, and why most build contracts require it.
Read the guide 4 min readWhat Does Public Liability Insurance Cover?
Public liability insurance covers you if your business causes injury to someone or damages their property. It's one of the most common covers New Zealand businesses carry - here's exactly what it does and doesn't cover.
Read the guide 3 min readPublic Liability vs Professional Indemnity: What's the Difference?
They sound similar and often get confused, but public liability and professional indemnity cover two very different risks. Many businesses need both. Here's how to tell them apart.
Read the guide 3 min readDo Tradies Need Public Liability Insurance?
Public liability isn't legally compulsory for tradies in New Zealand - but going without it is a real gamble, and many clients won't let you on site without it. Here's the honest answer.
Read the guide 4 min readWhat Is Statutory Liability Insurance?
Statutory liability insurance covers the defence costs and, where insurable, the fines or reparations that follow an unintentional breach of New Zealand legislation - the Health and Safety at Work Act being the big one. Here's what it does.
Read the guide 3 min readHow Much Does Public Liability Insurance Cost in NZ?
There's no flat rate for public liability - the premium depends on your trade, turnover, and the limit you choose. Here's what actually moves the price and how to keep it fair.
Read the guide 3 min readHow Much Does Contract Works Insurance Cost in NZ?
Contract works is priced on the project, so the cost scales with the build. Here's what determines the premium and how to make sure you're covered for the right amount.
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