Our Scope of Services
Scope of Service
We provide advice on General Insurance Products. These help protect your assets and liabilities by transferring the risk to an Insurance Company and when the time comes pay the claims based on the terms and conditions of the policy or policies in force.
Personalised Service and Understanding Your Needs
We take our time to get to know you and your business and the insurance risks you might face. With the ever-changing world we can meet with you face to face or by any form of digital communication. Once the needs analysis has been complete, this will enable us to then tailor an insurance package that best suits your needs.
Claims Support & Advocacy
When it comes to claim time, we know it can be a stressful time and we are here to help. We will guide you through the process and be your voice of reason with the Insurance Company to make sure the best possible outcome for you.
Annual Review
It is important for us to review your insurance requirements at least annually. Things do change whether it be in the insurance market or your personal circumstances.
Insurance Products and Providers
We can provide advice and insurance knowledge in the following Insurance Products:
Material Damage |
Business Interruption |
General Liability |
Statutory & Employers Liability |
Management Liability |
Professional Indemnity |
Cyber Liability |
House & Contents |
Mobile Plant |
Contract Works |
Directors & Officers Liability |
Marine & Transit |
Carriers Liability |
Marine Hull |
Farm & Horticultural |
Travel |
Motor |
|
The Insurers and Underwriting Agencies we use include but are not limited to the following:
AIG |
Berkshire Hathaway |
Delta |
NZI & Lumley |
Rosser Underwriting |
Vero Insurance |
Vero Marine |
Zurich |
Ando |
Chubb |
Dual New Zealand |
IUA |
QBE Insurance |
Vero Liability |
Star Insurance |
Other Speciality Providers |
Limitations and risks
Our insurance recommendations will be based on the information you provide us and will affect the extent of cover if not provided accurately. Any policy has a number of exclusions that you need to be aware of and recommend that the policy documents are read carefully by you.
Your Duty of disclosure
It is important that you understand all information you provide in support of the application for insurance and that it is correct, as you the insured will be bound by the answers and by the information you have provided. The duty of disclosure continues after the application for insurance has been completed.
Consequences of Non-Disclosure
If you the insured fails to comply with your duty of disclosure, the Insurer may be entitled, without prejudice to its other rights, to reduce its liability under the contract in respect of a claim or refuse to pay the entire claim. They may also have the right to avoid the contract from its beginning. This means the contract will be treated as if it never existed and no claims will be payable.
What not to Expect from Us
We are Financial Advisors authorised to provide financial advice on general insurance products. We do not provide advice on Life and Health Insurance, Investments, Kiwisaver, Medical Insurance or Mortgages, so you will need to consult a specialist if you would like advice on those products. We can refer a specialist to contact you if you require.
