Commercial & Rural Insurance Brokers can provide insurance cover for various business and personal related risks.Combining independence, personal service and a wealth of experience we are proudly Central Otago owned and operated, acting as Brokers and consultants to a range of New Zealand and international commercial & private clients.Commercial & Rural Insurance Brokers Limited was formed in 1996 by Russell Smith, Irene Smith and Lloyd Davies, to provide an Insurance Brokerage service for the residents and businesses of Central Otago. This brokerage has enhanced the insurance offering provided through agencies since the 1970’s.As members of the Independent Insurance Brokers Association (IBANZ), we have met the standards required by this associate and abide by this body’s strict Code of Practice. We are also committed to providing a comprehensive, professional service where loyalty to our clients is of utmost importance.We take the time to know our customers and the business issues they face. We listen to what they say. And we deliver solutions that are tailored to each customer’s needs.It’s the only way we do business.CommercialTo build and maintain a business successfully in today’s competitive times one needs to be a competent and professional operator. It is imperative that your business can continue to operate should disaster strike and to minimise any losses that may occur. We have access to a number of Underwriters who can offer tailor made options for your consideration, which could include Material Damage, Business Interruption, Commercial Vehicles, Carriers Liability, Trade Credit or Partnership/Share Purchase risks.RuralThe cover available under the rural insurance umbrella includes a wide range of industries that are now currently operating within NZ today. To accommodate these changes the insurance industry has responded by providing tailor made solutions to suit individual situations, covers like: Farm Assets, Fruit Growers and Packhouse, Farm Vehicle Insurance, Machinery Breakdown & Spoilage, Horticulture….DomesticThere are a wide range of covers for your insurance requirements protecting yourself and your assets including: Home & Contents/Holiday Homes, Building/Alterations, Rental Property, Boats/Pleasure Craft, Private Vehicle Insurance, Personal Disability or Accident & Illness, Travel, Legal Defence…..SpecialisedWe work with owners, local and offshore managers, and accountants of large and small vineyards, and wineries from their early establishment days from planting vines, to their current operations, to reassessing their insurance needs on a regular basis.There are also a number of specialised areas such as: Liabilities, which could include Employers, Public, General, Statutory, Trustees, Directors & Officers, Association or Employment Disputes Construction Insurance, whether for Homeowners or Builders Income Protection or Importing/Exporting.