Insurance
At Waimea Insurance Brokers we specialise in providing insurance solutions to small and medium sized businesses across the region. As a local, independent, and trusted insurance broker, we are your dedicated partners in safeguarding both your business and personal interests. With a deep understanding of the local landscape and a commitment to providing appropriate solutions, we navigate the complex world of business and personal insurance on your behalf.
Business Insurance
Owning a business can be challenging. The last thing you need to be worrying about is whether the insurance you have in place is going to properly protect your business if the worse was to happen. Let’s work together to minimise the financial impact of an event so you can focus on your business.
We aim to meet with you to discuss the risks you and your business face. By getting to know you and your business, we can arrange an insurance programme that is suited to your specific needs.
Common Types of Business Insurance
Commercial Property Insurance
Insurance to cover the ‘bricks and mortar’ of your commercial building. Cover can include loss of rent protection for the period your building is undergoing repairs or being rebuilt, as well as cover for your liability as a landlord.
Natural Disaster Excess Buy-Down Cover
Commercial property insurance can include cover in the event of a natural disaster such as an earthquake. Should you need to make a claim you will be faced with a natural disaster deductible or excess which is often set by insurers as a percentage of the sum insured. A natural disaster buy-down cover, purchased at the outset of the policy, helps to reduce the excess amount payable in the event of a claim to a more acceptable level.
Material Damage Insurance
Protection for your business assets such as plant, stock and any leasehold improvements. Cover may be required at a specific location or elsewhere in New Zealand.
Business Interruption Insurance
Insurance designed to cover the ongoing costs and lost income of your business following a property damage claim. Policies can be structured in multiple ways dependent upon the specific nature of your business and circumstances.
Public Liability Insurance
Cover to protect you should you accidentally cause damage to someone else’s property. This damage could be caused by you or one of your employees or be caused by the products you manufacture, distribute or sell.
Statutory Liability Insurance
This policy is designed to cover your legal defence costs and reparations should you inadvertently breach a New Zealand Statute such as the Health and Safety at Work Act.
Professional Indemnity Insurance
This is sometimes referred to as ‘errors and omissions’ insurance. Dependent upon your occupation and the precise policy offering this insurance can help protect against losses and damage arising from a breach of your professional duty or an error and omission in the service or advice you provide.
Cyber Liability Insurance
Cover to help mitigate against the financial costs associated with a cyber-breach or attack.
Commercial Motor Vehicle Insurance
Insurance for business owned vehicles or vehicles that are used for business use.
Mobile Plant Insurance
Cover for mobile plant and equipment such as excavators, cranes, diggers etc.
Marine Transit or Marine Cargo Insurance
Insurance that is able to insure goods that are imported, exported or transited across New Zealand whether it be by land, rail, sea or air.
Contract Works Insurance
Principally designed to cover construction, building or installation work whilst in progress. Cover can include the main contractor, sub-contractors and anyone else involved in the project. Insurance can be arranged for a specific project or on an annual basis dependent upon the individual need.
Our Insurance Partners
Waimea Insurance Brokers deals with a large number of insurers so we can arrange the most appropriate cover for you and your business at a competitive premium.
Personal Insurance
Following the Canterbury Earthquakes in 2011, the majority of insurance companies changed their home insurance policies from full replacement settlement to ‘capped’ sum insured. This means the onus on insuring your home correctly has shifted from the insurance company to you, the client. The New Zealand Treasury estimates that up to 85% of all homeowners in New Zealand are currently under insured. Allow us to help you to set up your home insurance appropriately.
We can offer personal insurance for your:
- Home
- Rental property or AirBnB
- Holiday Home
- Lifestyle Block
- Contents
- Car
- Boat
- Motorhome
- Caravan
- Classic Motor Vehicle
- Motorbike
- Travel
Got a question?
We’re here to help ! Send us your questions and we’ll get back to you right away.