At NZI, our focus is simple – giving brokers the expertise, insight and support they need to deliver the right outcomes for their customers. That’s the advice model in action – brokers guiding customers with confidence, backed by the right insurer expertise.
It means showing up where it counts. From paying more than $2.4 million in claims every business day to getting assessors on site quickly, working alongside brokers to reduce risk before a loss occurs – NZI is focused on giving businesses real peace of mind. When a major event hits, our teams are on the ground as soon as practical – and where it’s needed, we’re making emergency payments within 24 hours so businesses can get back on their feet straight away.
Over the past year, we’ve delivered more than 500 Fleet Fit campaigns, completed around 900 electrical safety reviews identifying over 3,000 serious defects, and carried out more than 1,000 property risk surveys. These aren’t just numbers – they’re practical actions that help brokers advocate for solutions, reduce exposure, and strengthen outcomes for their customers.
Growing up in Taupō, I saw first-hand the role brokers play in their communities. My father ran a fire and general brokerage, and for him it was never just about the policy – it was about looking after people and doing right by his customers. That principle still shapes how I think about insurance today.
When a major event hits, our teams are on the ground as soon as practical – and where it’s needed, we’re making emergency payments within 24 hours so businesses can get back on their feet straight away.
That’s reflected in how we support customers – both before a loss occurs and in how we help them recover.
Through programmes like NZI Property Protect – our electrical inspectors target one of the leading causes of commercial loss – identifying issues early and giving customers clear, practical steps to address them.
It’s not the last renewal saving that matters – it’s having an insurer who shows up, stands behind their cover, and delivers at claims time. That’s what NZI is known for.
We’re also taking a more holistic approach to recovery. Through our partnership with Habit Health, drivers involved in fatalities can access early psychological support, recognising that recovery isn’t just physical and helping businesses return to a more stable footing.
A more complex risk environment
New Zealand businesses are facing a broader range of risks – from weather events to evolving liability, cyber threats and rising costs.
In this environment, early decisions matter more. How risk is understood, structured and priced has a direct impact on long-term outcomes.
At NZI, we focus on making those early decisions count – working closely with brokers to structure cover that stands up. That’s where partnership makes the difference – brokers and insurers working together, sharing insight and expertise to deliver more sustainable outcomes for customers.
And when something does go wrong, the value of that relationship becomes clear.
It’s not the last renewal saving that matters – it’s having an insurer who shows up, stands behind their cover, and delivers at claims time. That’s what NZI is known for.
Where broker advice makes the difference
At NZI, we specialise in Liability, Cyber, Transport and Commercial Property – lines where deep technical expertise and experience directly shape outcomes.
Risks in these areas are more complex, evolving, and often longer-tailed. Liability exposures, for example, can emerge years after an event. Getting the structure, terms and pricing right upfront is critical to ensuring cover stands up over time.
That’s where broker advice matters most. Brokers bring a deep, practical understanding of their customers’ businesses and help them navigate risk and make informed, long-term decisions.
Well-structured cover delivers value beyond price – not just protection on paper, but better outcomes in practice – supporting smoother claims experiences and greater certainty when it matters.
At NZI, we back and invest in that advice model. Through initiatives like NZI Broker Advance – our expert-led education programme, we’re building capability in complex areas and equipping brokers with practical tools and insights to support their customer conversations.
That’s the value of true partnership – brokers guiding with confidence, backed by an insurer with the scale, expertise and commitment to stand behind them.
Discipline in a changing market
Claims trends reinforce why discipline matters. We’re seeing higher repair and replacement costs, supply chain pressure and more severe weather events.
Our latest data shows storm-related claims up 256% on the previous year1 highlighting how quickly the risk environment is changing – and where early action can make a difference.
Sustainable pricing plays a central role. It ensures premiums reflect the true cost of risk and supports insurer strength, future insurability, and greater stability for customers.
As a long-term insurer, we’re committed to disciplined decisions that stand up – not just short-term outcomes.
Working this way with brokers and customers leads to better outcomes, smoother cycles, and fewer surprises.
That’s the value of true partnership – brokers guiding with confidence, backed by an insurer with the scale, expertise and commitment to stand behind them.
Keeping it simple
For all the complexity in the market, the fundamentals remain the same.
Customers want confidence that their broker and insurer understand both the risk on paper and the realities of running a business in New Zealand. They want to know that decisions are made carefully, that advice is aligned, and that support will be there when it matters.
Periods of softer market conditions create an opportunity – and at NZI, we’re working with brokers to strengthen cover, revisit terms and set customers up for more stable, predictable outcomes.
That’s where insight, experience and strong alignment give brokers the backing to deliver the right outcomes – supported by an insurer they can rely on when it matters.
1 IAG Wild Weather Tracker April 2026 storm-related claims from home, contents, motor, commercial and boat policies. Claims sourced from IAG New Zealand’s brands: AMI, State, NZI, NAC, Lumley and Lantern, as well as the insurance products of BNZ, ASB, Westpac and the Co-operative Bank that are underwritten by IAG.
