It takes vision, a solid business plan, hard work and even a bit of luck. Having a good accountant and lawyer certainly helps. And having the right insurance advice is essential.
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There are no shortcuts when it comes to determining the right insurance coverage for your business. Your business is unique, and so are your insurance needs.
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That’s where we can help. Commercial & Rural has a proud reputation of helping Central Otago and Southland businesses with their insurance needs. We help them understand their risk issues, and we identify solutions that provide the coverage – and the peace of mind – our customers want.
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Combining independence, personal service and a wealth of experience, we are proudly New Zealand owned and locally operated, acting as Brokers and consultants to a range of New Zealand and international commercial and private clients.
Increase in severe weather events affecting insurance market
As more severe weather events and natural disasters are arising in New Zealand, the insurance market is having to respond to the changing risk profiles.
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Expert rating agency, Canstar has highlighted that a record number of claim has been processed in the past two years. Data from the Insurance Council of New Zealand (ICNZ) revealed these types of claim cost insurers more than $226 million in 2018 alone. Reportedly, more than half of this was in the House and Contents sector.
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Insurers are responding by looking more closely at certain areas in NZ, and adjusting their risk assessment. This can mean an increase in price in some areas.
Overall, this highlights that price should not be only the determining factor when choosing your insurance cover. You need to ensure the cover you have is adequate and correct for your needs.
Source: Record claims a sobering reminder on insurance by Kirzzel Canlas, published online 20th July 2019
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OTAGO & SOUTHLAND
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