Who we work with

Churches (including Member Businesses), Charities and Not-For-Profits, Camps, Schools, Colleges and Kindergartens
– nobody else ...

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Churches (including Member Businesses)

We work with a wide range of denominations who support both their members and local communities with compassion, good works and guidance.

Whether planting new churches or maintaining those inherited from past efforts, we help you future proof; allowing you to concentrate on making plans to fulfill your vision, rather than feeling inhibited by the potential risks.

Standard off-the-shelf insurance products view churches in a more traditional sense; however, we cater for the wide variety of support services provided by our diverse range of denominations.

Who We Protect:

  • your legal entity and organisation (charity, incorporated society, trust, limited company) including any subsidiary entity, or joint venture, or any company over which you exercise active management.
  • your direct people (any executive officer, board member, director, elder, deacon, minister, lay minister, treasurer, employee, volunteer and partner).
  • your indirect support people (any consultants, independent contractors, secondees to or agents of the association or their respective employees, whilst working on your behalf under your supervision; provided they are not otherwise insured).

Activities We Cover:

Church and Worship Services, Preaching, Small Group Activities; Concerts; Song Writing, Media Recording, Publishing and Distribution; Event Organising and Catering, Camps and Outdoor Recreational Activities; Charitable and Social Services, Counselling, Child and Elderly Care, Education and Schools, Budgetary Advice; Ministry Activities, Prison Fellowship and Victim Support, Marriages and Funerals, Local and Overseas Missionary Work, Support and overseas trips; Advertising, Retailing, Supply and Distribution of Religious Paraphernalia and Other Consumables, Foodstuffs, Multimedia and Website Distribution; Stewardship, Management and Distribution of Income, Tithing, Collections and Donations, Appeals and Fund Raising Activities; Shuttle Services; Property Ownership and Tenants; Community Support Events, Property Maintenance and Gardening Services; and any other incidental activities.

We Can Also Cover Your:

  • FREE Professional Advice – like preaching, counselling, community support OR
  • FEE BASED Professional Services – like professional counselling, health and well-being support
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Charities and Non-Profits

We support charities making a difference in their communities and the world.

We appreciate the effort involved in raising awareness and obtaining finances in support for your goals.  We also know that operational expenses erode those resources which could be used for other needs.

Insurance affordability goes without saying; however, we first guide you around risk and exposure so you can make an informed decision about what you wish to transfer to insurance.  Coverage levels, excesses, itemised schedules can all be considered as methods to control cost, but we never recommend savings that threaten your ability to administer your funds and personally expose you as trustees.

We also consider your obligations to those who provide you with funds and grants and their contractual requirements that may expose you to further legal repercussions.

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We help camps focus on providing safe retreat and recreational services, which also promotes New Zealand tourism.

We know that property maintenance costs drain your income and put pressure on your valuable resources.  We also know you are required to provide a safe environment for guests to enjoy your facilities and the outdoors.  We help you focus on covering your valuable assets and work with you to identify those facilities that aren’t so crucial in maintaining operations.

Occupancy levels are always a challenge to predict, but sound judgement based on historical trends can ensure you’re not paying for insurance you don’t really need.

Compliance is the ‘new normal’ with Health & Safety being of top priority for your trustees and board members.  Whilst the H&S Act doesn’t allow you to insure the actual fine, we can help you source cover for your legal defence costs and any court awards to the injured person.

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Schools, Colleges and Kindergartens

We help you focus your efforts on nurturing the next generations and growing better communities.

Expectations of students and parents alike can present significant challenges to your organisation and lack of achievement may have legal repercussions.  Whilst curriculums are set by governing bodies, those same bodies can also bring actions against those who don’t administer subjects in accordance with their guidelines.

Personal safety of students, children and staff is always a priority and accidents now come with the added risk to boards of trustees, who are directly responsible for Health & Safety protocols and are the legal employers.

As board members change, disputes over decisions made by prior trustees can be left to incumbents to defend.  We help you find the right balance of coverage and defence costs to suit your needs; ensuring all trustees, officers, teachers, support staff and volunteers are protected.

Insurer Support

We only use reputable insurers with credible S&P or AM Best Financial Ratings who are represented in NZ.  They have been chosen for their underwriting prowess and claims support, all of which are vital aspects for you to consider when comparing other offerings.

Chubb is the world’s largest publicly traded property and casualty insurer.  With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.  As an underwriting company, they assess, assume and manage risk with insight and discipline.

They service and pay claims fairly and promptly.  The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally.

Chubb’s operation in New Zealand (Chubb Insurance New Zealand Limited) offers Property & Casualty, Group Personal Accident and Business Travel Insurance products through brokers.  It leverages global expertise and local acumen to tailor solutions to mitigate risks for clients ranging from large multinational companies to local SMEs.  Chubb in New Zealand also provides personal insurance solutions such as Masterpiece, a unique policy for people who own prestigious homes and valuable possessions.

Chubb NZ’s solvency information can be found by visiting www.chubb.com/nz-en.

Lloyd’s is the world’s specialist insurance and reinsurance market, bringing together an outstanding concentration of underwriting expertise and talent.  It is often the first to insure emerging, unusual and complex risks.

Around 80 syndicates are underwriting insurance at Lloyd’s, covering all classes of business. Together they interact with thousands of brokers daily to create insurance solutions for businesses in over 200 countries and territories around the world.  Lloyd’s insures the majority of FTSE 100 and Dow Jones industrial average companies.

Lloyd’s enjoys strong financial security supported by excellent ratings.  Visit www.lloyds.com for more information.

DUAL New Zealand, established in March 2011, is a specialty lines underwriting agency committed to delivering insurance solutions for New Zealand businesses.  DUAL provides clients with local professional assistance backed by significant central resource.  They also partner with clients and brokers to offer support and advice on such matters as legal and claims development and loss prevention.  None of their clients are the same.  DUAL works to understand your particular needs to ensure you stand on your own two feet.

Their parent company, The DUAL Group is the specialist underwriting arm of the Hyperion Insurance Group, and is focused on underwriting business critical risks.  DUAL derives strength from its association with Lloyd’s of London.  DUAL New Zealand underwrites exclusively on behalf of certain Underwriters at Lloyd’s.  Since the late seventeenth century, the name Lloyd’s has been synonymous with insurance and many of the world’s leading underwriters are based at Lloyd’s.  Lloyd’s is a member of the Insurance Council of New Zealand and its New Zealand coverholders adhere to the Fair Insurance Code, which provides you with assurance that we have high standards of service to our customers.

DUAL NZ’s financial security information is located at https://www.dualnewzealand.co.nz/about-us.

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