The right design
INSURANCE DESIGN brings together leading professionals in the insurance industry to provide individuals and businesses with the highest level of insurance and risk advice. By using specialists in each area of insurance we can design an insurance plan that is right for you and your business.
BUSINESS
A business can take years and a great deal of energy to build with a substantial amount of your money likely to be tied-up in physical assets such as buildings, plant, machinery, and stock, even the cost of office furniture and signage.
It can just take one incident or disaster that could undo all of this very swiftly. That is why businesses should help protect themselves with quality business insurance products.
Material Damage & Business Interruption insurance offers integrated protection designed to ensure you do survive a major loss.
The right design makes the difference, allowing owners to run their business with confidence, knowing that they have insurance protection in place.
Business Assets, otherwise known as Material Damage cover, is imperative to the success and survival of any business. This policy provides protection against physical loss or damage to your buildings, plant, equipment, and stock.
In the event of a property damage loss, there is also the need to look towards protecting one’s trading profit and ensuring you are able to survive the financial losses that inevitably follows during the repair or replacement period e.g. securing alternative premises; outsourcing to maintain contracts, lost profits whilst production is down, and paying wages during downtime.
Irrespective of the size of your company, General Liability affords the necessary business protection against any legal liability for harm to another person or their property as a result of your activities. This could include costs involved in defending a claim triggered by the policy.
In a highly regulated society, it is necessary to protect the business from any unintentional breach of most NZ statutory laws. This includes the defence costs, reparations and fines imposed.
Be aware that New Zealand law does not allow a business to insure itself from any imposed fine for a breach against the Health and Safety at Work Act.
Employers Liability insurance provides Business protection against claims made by Employees for damages, as a result of personal injury during the course of their employment, which is not covered by ACC.
This Liability Package provides a suite of coverages, combined into one policy, for the protection against Management exposures.
These include, but is not limited to; Directors & Officers Liability, Employment Disputes Liability, and protection against Crime or Fidelity.
Cyber-attacks are a legitimate business exposure in the 21st century with significant losses to New Zealand businesses, especially SME’s. Cover is for both first and third party losses. Insurance Design has access to excellent providers that offer additional support services within their Cyber Insurance Packages. Just ask for further information
Any business in the industry of Advice or Design will need protection for any error or omission that may have a financial consequence to a third party.
It merely takes an allegation that could devastate a business financially.
Whether it be a large fleet or just a one-man band. If a vehicle is used in any commercial capacity it needs to be insured for such. Cover can include Loss of Use and Third-Party Liability.
Pay little attention to the title, as this can involve Cargo and Transit Insurance via air, sea, or land. Marine Insurance also captures Ship Repairer’s Liability and Carrier Liability exposures, not to mention Commercial Hull.
As a rural business owner, you require that additional protection for your farming or horticultural business, which can include all additional farm buildings, specialised farming equipment, milk & other optional benefits plus Liability covers designed with Rural needs in mind.
HOME & ASSETS
For most people their biggest asset is their home, alongside their vehicles, boats, household contents, collectibles and jewellery.
Accurately determining, and reviewing, the value of your assets is essential to ensuring you are adequately insured.
The right design makes the difference, allowing you to enjoy a worry-free lifestyle knowing you have appropriate insurance protection in place should a mishap occur.
You are covered for any sudden and accidental loss to your home, which includes garages, carports, detached outbuildings within the residential boundaries of your property.
If your property is tenanted (permanently or casually), or unoccupied, or has a self-contained granny flat/sleepout/tiny home, be sure to let us know as this will also impact the cover options that are offered.
This policy is designed to cover you for sudden and accidental loss to your household contents and personal effects while they are in New Zealand:
- at the home, or
- in your possession while in transit from the place where you acquired them to the home, or
- temporarily removed from the home.
We can arrange cover for your everyday drive, collector’s vehicle, vehicle in the course of restoration or weekend drive.
There are several types of insurance of cover for your vehicle, the most common being, Full Cover (Comprehensive), Third Party, Fire & Theft and Third Party Only.
Kiwis love being out on the water and at Insurance Design Ltd we have great options to provide cover for your yacht, launch, trailer-boat, amphibious craft or jet-ski.
Cover includes Third Party Liability that protects you if you are legally liable for damage to another person’s property. Marinas usually require confirmation of this cover if you are mooring there or using their hard-stand facilities.
When you move home, your possessions are not always covered during the move by your Contents policy. Enquire now about taking Transit insurance.
Lifestyle Cover provides cover for additional assets and exposures that you carry with owning a Rural Lifestyle block. Cover gives consideration to the likes of water bores, sheds, boundary fences, animal and/or orchards and the Liability exposures that these bring.
ABOUT US
Insurance Design Ltd was first established as a Fire & General Insurance brokerage in Warkworth on 4th February 2003.
Insurance Design is dedicated to the provision of personal and professional service, enjoying the support of Steadfast Group for first class products and tools.
We strongly advocate for our clients both in the placement of insurance and at claim time. Our Brokers ensure that we negotiate the best terms for the right coverage and our Claims team stays involved in the management of all claims right through to closure to ensure a fair and reasonable outcome is achieved for our clients.
We have vast Insurance Broking experience, with over 100 years between us, and therefore, as a team, we draw on a sound depth of knowledge. All Insurance Design Brokers have attained, at least, the minimum Level 5 Compliance for Advisors (General Insurance Broking) Qualification.
We genuinely believe that ‘the right design makes the difference’.
DAVID SPRINGER
DIRECTOR / SENIOR BROKER
Dave has been involved in the insurance industry since the day he left school, dealing with everything from claims to preparation of major accounts. Dave’s huge experience of policy detail is a key strength to the business, allowing us to provide a high level of scrutiny to the proposed insurance recommendation.
PERCY WOOTTON
DIRECTOR / SENIOR BROKER
Percy first joined the Insurance Design team as a Broker in 2012 before taking up a Directorship in July 2016. Percy’s background in human resources, sales management, and operational experience both within the military and civilian fields places him in a good position to fully understand and develop a risk management plan for new and existing clients alike.
MITCHELL BROWNE
BROKER
Mitch joined the Insurance Design team as a Broker in February 2024. Mitch’s background in sports coaching and event co-ordination has given him a strong base of administration skills and people skills to support him in relating to Insurers and Customers alike.
CAROL BROWN
OFFICE MANAGER / BROKER
Carol has also been involved in the insurance industry since leaving school and joined the Insurance Design team in November 2016. Carol has a strong background as both an Administrator and Broker throughout her career initially at State Insurance and then via various Broking Houses.
DIANNE RUWHIU
DOMESTIC BROKER
Dianne started her insurance industry journey at Crombie Lockwood as Broker Support lodging health and personal insurance new business applications. Subsequent to this, she has been extensively involved in case management and review of medical claims via other agencies. Since joining Insurance Design in August 2022 Dianne has focussed on Domestic Insurance lines of business and is now our specialist Broker in this field.
TERESA
CLAIMS & ADMINISTRATION
Teresa has a strong focus on customer relations which holds her in good stead for her Administration, Credit Control & Claim Management role. Since joining Insurance Design in May 2014, Teresa has continued to develop her skills and has built strong relations with both the claims teams of our Insurance partners and our valued Design clients.
As part of Steadfast, Australasia’s largest general insurance broker network, we have access to policies from national and international insurers – so we can help find the right one for you.
WHY US
How is what we do different to other insurance brokers?
- We take a modern and holistic approach to your insurance requirements. We are staffed with business professionals that are not here to sell you a product, we are here to design a solution that fits you and one that can change as your needs change.
- We are known for our integrity, and we are focused on excellence. The relationships we have with our clients are for the long term and we treat you with the professionalism that such a relationship deserves.
- We have experienced business professionals with insurance, accounting and commercial backgrounds that ensure we can fully understand your business needs.
- We have experienced administration staff who ensure our clients claims are well tracked through each insurance providers processes.
Cost-effective business insurance without the stress.
As a business owner, having the right cover is important to help protect your workforce, your premises, and your ability to stay open if a disaster occurs.
Without it, you could risk losing everything you have worked so hard to build. But with so many options available, how can you be sure you are making the right choice?
That’s where we can help.
We can take the time to understand exactly what risks your business faces – and then help ensure that you are properly covered.
We can even help you negotiate a better price for your policy and support you if you need to make a claim.
You can get on with your day-to-day business without the worry, knowing that your insurance is in safe, capable hands.
3 ways we can help you find the right cover.
Experience
Our brokers have a deep understanding of businesses across a range of industries. We can also take the time to understand your company’s specific risk profile.
This means we can provide expert advice on tailoring insurance policies for your business – so you don’t waste your valuable time researching and comparing cover options.
Negotiating power
As part of the Steadfast network, our brokers have the power to negotiate better prices and policy terms.
We have access to exclusive Steadfast policy terms that offer broader cover for our clients. We can also arrange for customised policy options, so no matter how unique your needs, we can help ensure your risks are covered.
This means better protection for your business
– at a more competitive price.
Strength
Enjoy the backing of Australasia’s largest general insurance broker network, which manages more than 2.3 million policies for small to medium businesses. As part of the Steadfast network, we have access to policies for small to medium markets – so we can help you find the cover you need, at a competitive price.
