Is your BUSINESS insurance actually protecting you or just costing you?

BUSINESS INSURANCE REVIEW (INDEPENDENT ADVICE Nz)

Identify gaps, reduce costs, and ensure your cover matches your risk profile.

Most organisations carry insurance as a safeguard. But when a claim arises, many discover too late that their cover contains "fine print" gaps, restrictive wording, or unnecessary costs.

An effective insurance programme should do one thing well: protect your business from material financial loss when the unexpected happens. If it doesn’t, it’s not doing its job.

Mitigate your insurance failure risk...

Book a review

100% Independent

You deserve independent, expert advice — not a product sale.

I provide fully independent insurance programme reviews for New Zealand companies. I do not sell insurance, and I do not receive commissions from insurers. My sole focus is ensuring your business has:

  • Appropriate cover for its risk profile
  • Clarity on what is (and isn’t) insured
  • Confidence that you are not overpaying

Deep Industry Experience

With over 50 years in the insurance sector — as an underwriter, Director of Claims for a global insurer, and founder of a New Zealand-owned captive insurance company— I bring a claims-first perspective to every review.


Read more

Independent vs Broker

Broker Claim Assist
Commission based Independent
Sells policies Reviews policies
Incentivised to place cover Incentivised to protect client

Most businesses don’t realise their insurance advice may not be fully independent.

AIA
AIG
Allianz
AMP
ANDO
AON
Asteron
Chubb
Capricorn
Gallaghers
Dual
Delta
Fidelity Life
FMG
MAS
NZI
QBE
Rothbury
Steadfast
VERO
Zurich
AIA
AIG
Allianz
AMP
ANDO
AON
Asteron
Chubb
Capricorn
Gallaghers
Dual
Delta
Fidelity Life
FMG
MAS
NZI
QBE
Rothbury
Steadfast
VERO
Zurich
AIA
AIG
Allianz
AMP
ANDO
AON
Asteron
Chubb
Capricorn
Gallaghers
Dual
Delta
Fidelity Life
FMG
MAS
NZI
QBE
Rothbury
Steadfast
VERO
Zurich

Why an Independent Review Matters

Insurance programmes often evolve over time — layered, renewed, and repackaged without a full reset. This can result in misalignment between your actual risks and your current cover.

An independent review helps you:

  • Remove bias
    No commissions, no preferred insurers — just objective analysis.
  • Identify gaps and exclusions
    Understand where policy wording may fail you at claim time.
  • Eliminate unnecessary cost
    Many packaged policies include extensions that are irrelevant or provide limited protection compared to standalone cover (e.g. Cyber, Directors & Officers).
  • Strengthen decision-making
    Gain clarity on policy wordings and differences between insurers — beyond just premium comparisons. Brokers' packages may not always be the best option for your risk profile or when it comes to claims time.

How the Review Works

The process is structured, practical, and tailored to your organisation:

  1. Understand your business
    Operations, structure, and risk environment
  2. Identify key risk exposures
    Including property, liability, business interruption, D&O, cyber, marine transit, and other commercial risks
  3. Review your current programme
    Policy schedules, wordings, endorsements, and exclusions
  4. Assess alignment
    Does your cover reflect your actual risk profile?
  5. Consider regulatory impacts
    Including obligations under New Zealand legislation (e.g. Property Law Act, Contracts of Insurance Act reforms)
  6. Provide a clear, plain-language report
    • What cover is appropriate 
    •  What may be unnecessary 
    • Where attention is required

Most insurance programmes aren’t tested until it’s too late.

Not sure if your insurance would actually perform in a claim? Request a confidential review.

The Outcome

You will be equipped to:

  • Engage more effectively with your broker or insurer
  • Make informed decisions about your insurance programme
  • Ensure your business is properly protected — without unnecessary cost

Who Should Consider This?

  • New Zealand businesses with complex or evolving risk profiles
  • Organisations undertaking a governance or risk review
  • Leadership teams or Boards seeking assurance over insurance adequacy
  • Companies unsure whether their insurance still reflects their operation

Book Your review

Independent. Experienced. Claims-focused.

Request more information Call 021 951 330