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    ​​​Risk Intelligence by Different Thinking creating Better Results.
    Tūraru- Mōhiotanga – Rerekē te Whakaaro - Kō atu ngā hua.

Risk Intelligence

"The risk intelligent enterprise recognises that risk intelligence and risk management are not ends in themselves but a means towards the ends of creating and preserving value and surviving and thriving in uncertainty. Risk intelligence is an approach to conducting business that improves decision making and judgement in vital areas and initiatives."

"Risk intelligence is dynamic. There is no set of rules to follow, no permanent certification, no way to insulate the organisation from the forms that uncertainty and turbulence will take in the future. Rather, there is only a path to creating value and managing risks that enables better decisions."

Surviving and Thriving in Uncertainty - Frederick Funston & Stephen Wagner

Business Insurance

With so many options on the market, and with the emerging risks such as cyber, and new products coming available all the time, it can be hard to be confident you're making the right choice. That's where we can help.

Business Insurance
Commercial Motor Vehicles
Professional Indemnity
Cyber Insurance
Event Insurance
Business Insurance
"Small businesses are not as well placed as big businesses to recover and grow following disruptive events such as natural disasters... Many small business owners do not have access to good advice and information about risk management."

New Zealand Government, 'Small and Medium Businesses in New Zealand, Report of the Small Business Development Group', 2016

Did you know?


2017 was the most expensive claims yer for extreme weather-related events since records began in 1968 

(Chris Black, President, Insurance Council of New Zealand, 2017)


57,500 enterprises ceased operation in NZ between February 2016 and February 2017.

(Stats NZ, "New Zealand business demography statistics', February 2017)

Commercial Motor Vehicles

What is motor insurance?

Motor insurance can cover your motor vehicle against accidental damage and theft. It can also protect you from the financial costs of repairing or replacing another person's vehicle in an accident where you're at fault. Generally choose to insure your car for an agreed amount, or for the market value of your vehicle.

Who should consider it?

If your car is damaged in an accident where you're at fault, having comprehensive motor insurance helps to pay for repairs - or can replace it all together if your car is written off. If your car is stolen, comprehensive motor insurance can pay you the agreed or market value, so you can buy another car. Third party damage (TPPD) insurance - can cover the costs you may be liable to pay if you are at fault and damage or write off someone else's car - is also available as a standalone policy. However, if you only have this cover, there's no cover for any damage to your own car.

Type of Cover Potential Benefits
Cover to held repair or replace your vehicle if it's damaged or stolen.Temporary accommodation if you cannot complete your journey following an accident.
Cover to help you pay for damage you cause to another person's vehicle.No excess payable if you identify the third party who were completely at fault.
A replacement of the same make and model if your new vehicle is written off within 12 months and has less than 15,000 kms.An automatic 30 days' cover on replacement vehicles and up to $100,000,
Choice of your own repairer or one from our preferred repairer panel.Up to $20 million of legal liability cover.
Repair guarantee for materials and workmanship on authorised repairsThe option to include one excess free windscreen claim per year.
Re-keying and re-coding of vehicle keys if they are stolen.The option to include hire car cover following an accident or if stolen.

What usually isn't covered?

Each policy is different.

Policies generally won't include cover for:

  • Being driven by an unlicensed driver.
  • Being driven by you or any other person while under the influence of any drug or alcohol.
  • Being used in any motor sport or time trial

There are other exclusions which we can outline for you. In addition, there is a deductible (or excess), and limits of liability (or sum insured).

Did you know?


29,198 motor vehicles were stolen or illegally used in the year ending July 2018.

(NZ Police, Crime in New Zealand at a Glance, 2018)


The number of vehicle crashes reported in New Zealand in 2016

(Te Manatu Waka, Motor Vehicle Crashes in New Zealand 2016, 2017)


$1,132,804,218 claims were paid in 2017 for private and commercial vehicles.

(Insurance Council or New Zealand, Market Data, 2018)

Professional Indemnity

What is professional indemnity insurance?

Anyone can make a mistake - but if your business is found liable for negligence, the costs can be financially devastating. Not only can it lead to an expensive lawsuit, but your business' hard-earned reputation may be damaged as a result.

That's why professional indemnity insurance matters - for help protecting your assets and brand if your advice causes a client to take legal action against you.

Who should consider it?

If your business has a website or electronic records, you're vulnerable to cyber hackers. In fact, it's likely that your business will suffer a Professional indemnity insurance is mandatory in some industries, such as medicine, accounting, law and financial advisers.

But even in cases where it's not required by law, it's recommenced for anyone who is providing professional services or advice in exchange for a fee - like, graphic designers, IT consultants and more. regardless of your legal obligation, it's often a customer requirement that you have this cover in place.

Type of Cover Potential Benefits
Civil liabilityCivil liability to a third party arising out of the conduct of their professional business.
Inquiry costsThe cost of defending an inquiry by a regulatory body into the professional conduct of the insured.
Defence costsThe costs involved in defending a claim triggered by the policy.
Fidelity coverDirect financial loss of the business caused by the dishonest or fraudulent conduct of an employee which is first discovered during the period of insurance.

What usually isn't covered?

Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. 

Policies generally won't include cover for:

  • Contractual or commercial liabilities
  • Liabilities which result from fraud and dishonesty
  • Pollution
  • Depending on your occupation, third party bodily injury / property damage
  • Unpaid fees

Did you know?


$100,322,242 is the value of professional liability claims in New Zealand in 2017.

(Insurance Council of New Zealand, 'Market Data', 2018)


24% of executive and non-executive directors in New Zealand that do not have directors' and officers' liability insurance, making them liable for damages, fines or legal costs incurred by their companies.

(Insurance Business, 'Understanding level for D&O liability is "concerning" - ICNZ', 17 August 2018)

Cyber Insurance

What is Cyber Protection?

Cyber protection insurance is a relatively new form of cover. It's designed to help protect your business from the financial impact of computer hacking or a data breach.

Who should consider it?

If your business has a website or electronic records, you're vulnerable to cyber hackers. In fact, it's likely that your business will suffer a cyber attack at some stage.

A cyber attack could cost your business more than money. It could also threaten your intellectual property and put customers'personal information at risk - which could damage your reputation.

Type of Cover Potential Benefits
First party losses
Business interruption lossesCovers financial loss you may suffer as a result of a cyber attack.
Cyber extortionThe costs of a cyber attack, such as hiring negotiation experts, covering extortion demands and prevention of future threats.
Electronic data replacementThe costs of recovering or replacing your records and other business data.
Third party losses
Security and privacy liabilityDamages to your reputation resulting from data breaches, such as loss of third party data held on your system.
Defense costsFunds the legal costs of defending claims.
Regulatory breach liabilityCovers legal expenses and the costs of fines arising from investigation by a government regulator.
Electronic media liabilityThe costs of copyright infringement, defamation claims and misuse of certain types of intellectual property online.
Extra expenses
Crisis management expensesProvides cover for the costs of managing a crisis caused by cyber hackers.
Notification and monitoring expensesThe costs of notifying customers of a security breach, and monitoring their credit card details to prevent further attacks.

What usually isn't covered?

Exclusions and the excess you need to pay can vary greatly depending on your insurer. 

Policies generally won't include cover for:

  • Damage to computer hardware.
  • Criminal actions committed by you or your business.
  • A cyber attack based on facts of which you were aware.
  • Criminals using the internet to steal money from you.

There are other exclusions which we can outline for you.

Did you know?


1,131 cyber security incidents were reported in 2017.

(Cert NZ, "2017 Summary')

Event Insurance

What is Event Insurance

Whether you've organised a one-off corporate function or a large-scale festival, you';; know how stressful arranging an event can be. There are so many things out of your control, including weather, ticket sales and even the behaviour of your attendees.

That's why you should help protect yourself and your business with a tailored events insurance policy. With the right insurance, you can safeguard yourself if things don't go to plan - allowing you to rin your event with confidence.

Who should consider it?

  • Events insurance is usually taken out by professionals in the hospitality or entertainment industry, such as:
  • Event managers and coordinators.
  • Event promotors and organisers
  • Sound and lighting operators
  • Stage managers

However, any individual or company holding an event should consider the cover that events insurance can offer. Events can include concerts, exhibitions, festivals, fundraisers, theatre productions, trade shows, dance parties or corporate functions.

Type of Cover Potential Benefits
Event (Public Liability)Property damage, or liability if a third party issue as a claim for personal injurt (where the personal cannot recover from the ACC)
Venue and equipment damageCovers venue and equipment damage during the event.
Cancellation of the event due to weatherCovers losses arising as a result of an event being cancelled due to weather conditions
Cancellation, abandonment or non-appearanceCover for abandonment or non-appearance of a performer

What usually isn't covered?

Exclusions and the excess you need to pay and limits of liability can vary greatly depending on your insurer. 

Policies generally won't include cover for:

  • High risk activities.
  • Injury to participants in sports and contents.
  • Improper set up.

There are other exclusions which we can outline for you.

Did you know?


72,000 international vistitors said their main reason for visiting New Zealand was to attend a convention or conference in 2017.

(Tourism New Zealand, 'Business events: Market information about our visitors and active considerers,' 2017')


4.3 million delegate days in New Zealand in the year ending June 2018 (days spend by delegates at business events)

(Ministry of Business, Innovation and Employment, Hikina Whatkatutuki 'Business Events Activity Survey Year to June 2018 Report.' 2018')


47,200 business events held across 13 regions in New Zealand 2017.

(Tourism New Zealand, 'Business events: Market information about our visitors and active considerers.' 2017')

Home & Contents

If your house and its contents were damaged or destroyed could you afford to replace them?

Home & Contents
Property Valuation
Home & Contents

Home insurance can protect you from financial risk if your home is damaged or destroyed, and can also cover your home's contents if they are damaged, lost or stolen.

Who should consider it?

If your home and its contents were damaged or destroyed in a natural disaster or accident, or all your valuables were stolen, could you afford to replace them?

If not, home and contents insurance can help. Home & contents insurance can even protect you against legal liability if someone is injured or killed on your property.

Property Valuation
Insuring your property (Commercial or Domestic) for the correct amount is vital. It’s possible your sums insured may be inadequate, especially if you have not had an insurance valuation done in the last 3 years. We have seen significant increases in building costs in the last few years. It is too late to adjust the sum insured at claim time.

Unknowingly buying insurance cover that would only provide a fraction of the replacement cost in the event of a loss can often become reality. This is where our Risk Intelligence thinking will make a difference. 

The purpose of an insurance valuation is to estimate:
  • Cost of making the damaged building safe, demolition and site clearance
  • Estimate cost of constructing a similar building on the same site
  • Professional and Authorities fees relating to the new building

The benefits of a valuation are;
  • Removing the risk of underinsurance
  • Protecting your physical assets by insuring for the correct values on your policies
  • Providing the necessary documentation to support a claim

Senator Risk Management NZ has a relationship with T A Valuations Limited to provide insurance valuations on commercial and domestic property, making sure that the indemnity values line up with the FENZ requirements around the Fire Service Levy. This is not always the case with other Broker offerings.

We have partnered with

PSC Connect NZ  - Senator Risk Management NZ is part of PSC Connect NZ. We leverage PSC Connect Group' scale to ensure our clients have access to a wide range of insurance companies, a broad range of products, exclusive policy operations, and of course, competitive pricing. And when the time comes and you need to make a claim, you will have the backing of PSC Connect behind you.

RIMS - Senator Risk Management NZ is a RIMS Associate Member; issued by RIMS, the risk management society. RIMS is the preeminent organisation dedicated to educating, engaging and advocating for the global risk community. An associate member of RIMS is a provider of products and services to those in the risk management profession. This certifies that the individual in question is an active member of RIMS and in good standing with the Society.

RISK NZ - RiskNZ is the leading non-profit association for risk professionals in New Zealand.
The Society brings together people and organisation managing risk under the guiding vision that New Zealand prospers when risk is well managed. Our focus is to organise regular opportunities for members to meet and experience a wide variety of professional development and networking opportunities.

The society supports special interests groups, encourages research, informs public thinking, influences government, and conducts other activities to achieve risk management best practice in the private and public sectors.

GARP - To be the leading professional association for risk managers, dedicated to the advancement of the risk profession through education, research and the promotion of best practices globally.

IODNZ - Good governance for a strong New Zealand. The Institute of Directors is the professional body for directors and is at the heart of New Zealand's governance community. we support and enable directors to add value to their organisations and wider communities and prepare them to positively transform the future.

Scouts Youth Foundation - Senator Risk Management NZ are proud to support the vision of the Scouting Opportunity Fund. It  benefits making Scouting available to all Kiwi youth who want to participate, no matter their circumstances. we think the experience of Scouting should be available to all young Kiwis and with your help we want to ensure no one is left behind.

  • Supporting Kiwi youth to join their local Scout Group by making a one-off or regular donation.
  • Supporting young Scouts to attend a major event (such as jamboree).