Working with an insurance adviser

As insurance advisers, Cartwrights work for you, not the insurer. We take the time to understand your business and the risks you face.

For many kiwi tradies, their business is their livelihood. If an accident or unforeseeable incident causes damage to third party property or injury to someone (other than your employees), you may be found legally liable to cover the costs. No matter how stringent your company is, mistakes can happen. Businesses can face allegations or legal action even if they are not actually responsible for the loss. Dealing with these issues can be very difficult and expensive, taking focus away from the business. Having the appropriate public liability insurance in place can help to protect your business from the financial risk of liability claims – giving you the certainty you need to trade with confidence.

While public and product liability insurance isn’t mandatory for most businesses, it is recommended for all companies in New Zealand. That’s because the unpredictable nature of accidents makes them hard to prevent – and the costs of being held liable can be extraordinarily high. Most general liability policies also include cover for defence costs, which can be used for legal fees to defend the business against unjustified claims.

Save time, save money and stress less. We will help find you the right insurance products at the right price, so you can get on with doing what really matters. Your business is supported for the long term with ongoing advice and needs analysis. The same adviser you deal with on day one, is helping you at claim time. Cartwrights have been operating for over 40 years.

We have qualified, experienced advisers specialising in Commercial, Rural, Domestic, Health, Risk and Life Insurances. Please feel free to contact us, we would welcome the opportunity to discuss your insurance requirements!