Protect the Business
You've Built
An insurance programme should reflect your business — its assets, revenue, people, contracts, liabilities and dependencies. We map cover to what actually matters, then structure and place it.
Start With What You've Built — Not a Product List
An insurance programme should reflect what your business actually has, does and depends on. We work through each dimension of the business and map it to the appropriate class of cover.
Not every business needs every class. The point of a structured review is to work out which apply, to what limits, and how they interact — rather than layering products on top of a template policy.
Priority Industries
We specialise in sectors where one-size-fits-all cover falls short. Each has unique exposures — contractual, regulatory and operational — that generic business insurance doesn't address.
Every programme starts with a detailed risk assessment — not a template quote.
Transport & Fleet
Cover for fleets, logistics operators, and owner-drivers — structured around how your operations actually run. We align vehicles, goods in transit, liability, and downtime exposures into one clear programme.
Construction & Trades
Insurance structured for projects, contracts, and evolving site risks — not just static policies. We consider contract works, liability, plant, and project timelines to ensure cover responds when needed.
Property, Hospitality, Medical, Jewellers, Manufacturing, Professional Services
Commercial Property Owners
Investment & Portfolio Property
Protection for commercial and investment property portfolios, structured to reflect ownership, tenancy, and asset exposure. We align building, loss of rent, and liability risks into a cohesive programme.
Restaurants & Hospitality
Restaurants · Cafés · Bars · Hotels
Hospitality operators sit at the intersection of public liability, food-safety exposure, licensed-premises obligations and asset-intensive fit-outs. Cover structured for each of these without duplication.
Medical & Healthcare Practices
Doctors · Dentists · Allied Health
Cover written for medical, dental and allied-health practice — medical indemnity coordination, practice liability, cyber protection for patient records, and the business risks that sit alongside patient care.
Jewellers & Jewellery Businesses
Retail · Wholesale · Manufacturing
A specialist class — for retailers, manufacturers, wholesalers and repairers. Cover structured around security, valuation, territory and how stock moves through the business.
Manufacturing & Engineering
Design · Consulting · Production
Cover designed for consulting, design, and project-based exposures. We structure protection across professional liability, contracts, and operational risks — with run-off cover where retirement or sale requires it.
Professional & Technology Businesses
Consultants · IT · SaaS · Agencies
Professional Indemnity, Cyber and Tech E&O structured for consultants, technology companies and professional services firms. Contract-driven cover that responds to client obligations, SLAs and data risk.
Two covers that cut across every industry
Professional Indemnity & Management Liability
D&O · PI · IT Contractors · Employment Practices
Protection for directors, professionals and IT contractors — Directors & Officers, Management Liability, Professional Indemnity and Tech E&O in a single coherent programme.
Cyber Insurance
Ransomware · Data Breach · Business Interruption
Cyber cover for NZ SMEs and mid-market. Incident response, ransomware, business interruption, third-party liability and Privacy Act 2020 notification obligations.
Understand → Identify → Structure → Market → Manage
A repeatable process that produces documented advice — from first conversation through renewal and beyond.
Understand
A structured conversation about how the business operates, its contractual obligations and its priorities.
Identify
We map each dimension of the business to the risks and classes of cover that apply — with the trade-offs made explicit.
Structure
We design a programme that reflects your circumstances rather than defaulting to a template.
Market
Cover is placed with insurers whose appetite and wording fit the risk, using access via the Steadfast broker network.
Manage
We manage renewals, mid-term changes, questions and claims — for as long as you're a client.
Recent Outcomes
Real results for real clients — because outcomes matter more than promises.
Flood Claim Supported
Managed a major Auckland floods claim to settlement, then successfully restructured and placed the risk for ongoing cover.
High-Value Asset Cover
Secured cover for high-value personal assets where previous placement attempts had not progressed due to underwriting challenges.
Continuity of Cover
Structured premium funding solutions during Covid, helping clients maintain essential cover while managing cashflow pressures.
25+ Insurance Markets, One Adviser
As a Steadfast Group member — Australasia's largest general-insurance broker network — we access specialist underwriting facilities and negotiated wordings that are not always available to direct insurers or smaller brokers.
Business Tools & Forms
Start where it fits — we take it from there.
Business Fact Finder
The structured starting point — 8–12 minutes on the business, its exposures and priorities.
Insurance Review
A quick 3–5 minute review to flag gaps and next steps — good for existing programmes.
Contract Works Proposal
Single-project construction proposal — capture the project, values and duration.
Cyber Assessment
Score your cyber posture and see where cover, controls or both need attention.
Letter of Appointment
Appoint Exclusive Insurance as your broker of record.
Letter of Authority
Authorise us to obtain quotes and information on your behalf.
Business Insurance FAQs
What types of business insurance does Exclusive Insurance offer?
We provide specialist commercial insurance including transport and fleet, construction and contract works, commercial property, engineering, financial lines (D&O, management liability), cyber insurance, trade credit, and cover for not-for-profit and sporting organisations.
Why should I use an insurance broker instead of going direct?
A broker works for you, not the insurer. We compare cover across 25+ insurance partners, identify gaps in your protection, negotiate better terms, and advocate on your behalf when you need to claim. Direct insurers only offer their own products.
How does Exclusive Insurance Services handle claims?
We help manage the claims process from notification through to settlement, coordinating with you, the insurer and other parties involved and advocating for your interests throughout. You deal with us, not the insurer directly.
What industries does Exclusive Insurance specialise in?
We specialise in complex risks across transport and logistics, construction and building, engineering, commercial property, technology, hospitality, and professional services. We also cover high-value personal assets including prestige vehicles, luxury homes, and jewellery.
Is Exclusive Insurance regulated in New Zealand?
Yes. We are registered on the Financial Service Providers Register (FSPR) under FSP70801, regulated by the Financial Markets Authority (FMA), and operate under the Financial Markets Conduct Act 2013. We are members of the Steadfast Group.
How do I get a business insurance quote?
You can start a free insurance review online (takes 3-5 minutes), use our AI assistant RiskMate for instant guidance, or call us directly on 09 307 1295 to speak with an adviser.
Looking for personal cover instead? Personal & Specialist Insurance →
Ready to Structure Your Cover?
Start with a structured review or speak with an adviser directly. Either way, you'll get advice built on your business — not a template.