Case Studies

Auckland Commercial Developments

Auckland

Situation

Large-scale commercial construction company facing complex liability risks on a multi-story office development in the CBD. Previous insurer was withdrawing from the NZ construction market.

Challenge

Securing comprehensive cover including contract works, public liability, and professional indemnity while managing cost pressures on a tight project budget.

Solution

We arranged a tailored package combining contract works, public liability, professional indemnity, and workers' compensation. We negotiated terms with three competing insurers to secure competitive pricing.

Wellington Hospitality Group

Wellington

Situation

Owner of three restaurants and two bars in the Wellington CBD, recovering from pandemic impacts while facing rising insurance costs.

Challenge

Finding affordable cover that protected against fire, theft, business interruption, and public liability without breaking the post-pandemic recovery budget.

Solution

We packaged all policies together, implementing risk mitigation measures like fire alarms and security systems which qualified for multi-policy discounts.

Hawke's Bay Food Processors

Hawke's Bay

Situation

Medium-sized food manufacturing business expanding operations after investing in new processing equipment.

Challenge

Need for machinery breakdown cover, product liability protection, and business interruption cover following equipment investment.

Solution

We arranged a comprehensive manufacturing package including machinery breakdown, product liability, and extended business interruption cover with a 30% contribution to risk improvements.

Christchurch Legal & Accounting

Christchurch

Situation

Accounting firm providing audit services to SMEs, concerned about professional indemnity claims following changes to audit standards.

Challenge

Securing professional indemnity cover with appropriate limits given increased audit liability exposure, at a reasonable premium.

Solution

We negotiated with specialist professional indemnity insurers, demonstrating the firm's strong risk management practices and claims history.

Northland Freight Solutions

Northland

Situation

Family-owned trucking company operating 15 vehicles across the North Island, struggling with insurance costs and coverage gaps.

Challenge

Fleet insurance with appropriate vehicle values, goods in transit cover, and liability protection for a diverse operation including dangerous goods.

Solution

We restructured the fleet cover, implemented driver training programs to qualify for safety discounts, and arranged goods in transit cover with appropriate limits.

Auckland SaaS Startup

Auckland

Situation

Growing tech startup with 25 employees, securing their first significant investment round.

Challenge

Directors and officers liability, cyber insurance, and professional indemnity required to satisfy investor due diligence.

Solution

We arranged a comprehensive tech package including D&O cover, cyber liability, and professional indemnity, working with insurers familiar with startups.

Waikato Dairy & Crop Farm

Waikato

Situation

Mixed farming operation with 400 cows and 200 hectares of maize, looking to consolidate insurance and reduce costs.

Challenge

Coordinating farm property, livestock, machinery, and liability cover from multiple insurers into one efficient program.

Solution

We consolidated all covers into a single farm package with one insurer, implementing farm safety programs that qualified for significant discounts.

Queenstown Adventure Retail

Queenstown

Situation

Outdoor equipment retailer serving tourists, operating year-round with seasonal peaks.

Challenge

Stock, property, business interruption, and public liability cover with flexibility for seasonal inventory fluctuations.

Solution

We arranged flexible stock cover that adjusts with seasonal needs, plus business interruption cover tied to the tourism season.