Insurance Advice You Can Trust

Trust. Support. Confidence. Value.

New Zealand’s insurance landscape has never been so complex, or so heavily scrutinised. Yet with so many insurers, policies, and choices – including an abundance of generic ‘direct’ insurance offers – it’s also never been harder to know which option is the best for you and your business. That’s why there’s never been a more important time to partner with a specialist Insurance Adviser who works for you.

What does an Insurance Adviser do?

Insurance Advisers are highly qualified insurance and risk management specialists. Just as you rely on your Solicitor for legal matters and your Accountant for financial advice, they act on your behalf to provide expert advice, insurance solutions and claims support to protect you and your business. An Insurance Adviser works closely with you to help you identify the risks that you or your business may be exposed to. They will then advise you on what risks should be insured against, and then if you agree, the adviser will canvass the insurance market to obtain the best insurance protection to meet your needs, at a competitive price.

Why Choose an Insurance Adviser

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An Adviser provides advice and explains clearly what your insurance covers, and what is not covered and will tailor an insurance programme best suited for your individual business needs. They act for the you and have a legal duty of care in the advice and products they provide.

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New Zealand businesses are 97% less likely to have an insurance complaint when they work with an Insurance Adviser.

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SOURCE: Fire & General Insurance complaints made to the Insurance & Financial Services Ombudsman (IFSO) Scheme between 1 July 2020 and 30 June 2021. 3,626 total complaints. 9 against Insurance Advisers. 199 against Direct Insurers.

Link to Insurance & Financial Services Ombudsman Annual Report 2021 here.

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In a positive sign for industry growth, 41% of direct buyers would consider using a broker, up from 34% in 2020.

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SOURCE: Vero 2021 SME Insurance Index found that 41% of direct buyers said that they would consider using a broker in the future, up from 34% in 2020.

Link to Vero 2021 SME Insurance Index here.

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Over half of businesses who are direct insurance buyers say they are now actively considering using an Insurance Adviser, up from 51% in 2018.

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SOURCE: Vero 2021 SME Insurance Index found that 54% of surveyed SMEs had purchased their most recent insurance policy through a broker, compared to 51% from 2018.

Link to Vero 2021 SME Insurance Index here.

Find your local Insurance Adviser

Talk to your local Adviser to get advice about your insurance needs and to get a quote

Frequently Asked Questions

Why have General Insurance?

Why pay for an Insurance Adviser when I can do it myself?

Who does your Insurance Adviser work for?

Can an Insurance Adviser assist you with claims?

Why should I trust an Insurance Adviser?

How are Insurance Advisers paid?

What about emerging digital/direct models of insurance advice?

Who monitors Insurance Advisers?

What qualifications should an Insurance Adviser hold?

What if something goes wrong with my Insurance Adviser?

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Information & Downloads

From policy documents and claim forms, to the very latest Insurance industry insights and news from around the world, Insurance Advisernet produces a range of free downloadable brochures and reports each year that you may find useful.

GENERAL INSURANCE landscape

Click here to download (328KB)

Product Spotlight

Cyber Insurance

Cyber Insurance

Technology has never been so deeply entwined in our businesses. While it delivers significant efficiencies and convenience, it also comes with significant cyber risks.

Workers’ Compensation

Workers’ Compensation

While some occupations and industries have a higher risk of workplace incidents and/or fatalities than others, Workers’ Compensation is compulsory for all Australian employers. It provides financial compensation to workers if they suffer a work-related injury or illness.

Business Interruption Insurance

Business Interruption Insurance

From your family and employees to customers and suppliers, there are a lot of people who depend on your business opening its doors each day.

Marine & Hull Insurance

Marine & Hull Insurance

Do you operate a marine business and/or transport goods? Marine Insurance is designed to provide peace of mind when you have a ship or vessel that requires insurance, or you are moving cargo across sea, land or air.

Contract Works Insurance

Contract Works Insurance

Contract Works Insurance provides cover for any physical damage of works or third party liabilities during construction stages of a project.

Professional Indemnity Insurance

Professional Indemnity Insurance

Professional Indemnity (PI) Insurance isn’t just limited to typical ‘professions’ such as accountants, engineers, lawyers, doctors and architects. Essentially, anybody providing advice or consultancy services for a fee has an exposure that needs to be considered.

SME Business Insurance Pack

SME Business Insurance Pack

Business Insurance is used by many businesses, but it’s best suited to SME-type operators.

Directors & Officers/Management Liability Insurance

Directors & Officers/Management Liability Insurance

Many small and medium-sized business owners think they don’t need Directors & Officers (D&O) Insurance as it’s only relevant to large multi-national companies. However, D&O insurance is just as important to SME’s as any other business.

Liability Insurance

Liability Insurance

Despite the very best of intentions, accidents can still happen in any business. Public and Product Liability Insurance protects you against claims for personal injury or damage to a third party.

Motor Insurance / Commercial / Heavy Motor Insurance

Motor Insurance / Commercial / Heavy Motor Insurance

One of the more common types of business covers, motor insurance provides coverage for physical loss, damage or theft to your vehicle(s).

Mobile Plant & Equipment Insurance

Mobile Plant & Equipment Insurance

Plant & Equipment Insurance is important for a wide variety of businesses that rely on mobile plant and equipment to continue their business activities. It protects the equipment itself, but also the liabilities associated with its use, from portable tools and the smallest of earthmoving machines, to forklifts and the largest of cranes.

Property Insurance

Property Insurance

Cover for loss or damage to your physical business assets in the event of an incident occurring.

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Find your local Insurance Adviser

Talk to your local Adviser to get advice about your insurance needs and to get a quote

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2022-05-24
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2022-05-18
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