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Shielded Insurance Brokers

Public disclosure statement

Who we are, how we're licensed, how we're paid, and what to do if something goes wrong — the information we must give you under New Zealand's financial advice regime.

Last updated 11 August 2026

Download the Public Disclosure Statement (PDF)

Licensing information

Shielded NZ Limited (FSP1013336) is a registered Financial Service Provider and Authorised Body operating under the Financial Advice Provider licence held by Community Broker Network NZ Limited (“CBN NZ”) (FSP1003687). Our activities are regulated by the Financial Markets Authority (FMA).

For more information about who CBN NZ engages under their Financial Advice Provider’s licence, please visit the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz.

Nature and scope of our advice

Our advisers are skilled in providing guidance on a variety of insurance products: business insurance, commercial insurance, domestic and personal, often grouped as Fire and General Insurance. We’re here to help you protect your assets and liabilities, reducing the financial impact if the unexpected happens.

We focus solely on Fire and General Insurance and do not offer advice on Life and Health Insurance, Investments, KiwiSaver, Medical Insurance, or Mortgages. However, if you need advice on these products, we’re happy to connect you with a trusted specialist.

We and CBN NZ are affiliated with Steadfast NZ Limited (Steadfast), which supports us in delivering high-quality advice through purchasing advantages and enhanced service support.

Our financial advice spans a variety of products from New Zealand-based and international providers. Here are some key offerings:

Products

  • Business insurance — Public liability, Statutory liability, Professional indemnity, Business assets & stock, Business interruption, Commercial vehicles, Cyber.
  • Truck & commercial vehicle — Own damage (comprehensive), Third-party liability, Carriers' / goods in transit liability, Trailers & plant, Loss of use / downtime, Fleet cover.
  • Rural & farm — Farm dwelling & contents, Farm buildings & sheds, Machinery & implements, Livestock, Farm liability, Rural contracting gear.
  • Home, contents & vehicle — House / dwelling, Contents, Private vehicle, Boat or trailer, Landlord cover.
  • Commercial property — Commercial buildings, Loss of rent, Landlord contents & fit-out, Body corporate & multi-unit, Natural hazard cover, Commercial landlord liability.
  • Construction & contract works — Contract works — single project, Contract works — annual, Public liability (construction), Plant, tools & equipment, Contractors' vehicles, Professional indemnity (design & build).
  • Public & statutory liability — Public liability, Products liability, Statutory liability, Employers' liability, Higher limits for contracts.
  • Professional indemnity — Professional indemnity, Run-off cover, Public liability (combined), Statutory liability (combined), Cyber (combined).
  • Directors & officers — Directors & officers liability, Management liability package, Employment disputes, Crime & employee fidelity, Trustees, charities & associations.
  • Cyber — Incident response & forensics, Data & system recovery, Cyber business interruption, Privacy & third-party liability, Cyber crime & funds transfer fraud, Cyber extortion.
  • Marine & cargo — Marine cargo — imports & exports, Goods in transit — domestic, Commercial hull & work boats, Marine liability, Pleasure craft & boats.
  • Travel, event, and contract and project insurance
  • Specialised plant and equipment
  • And more

Providers

  • 360 Underwriting as Underwriting Agents of AIG
  • Agile Underwriting Limited
  • AIG Insurance New Zealand Limited
  • Ando Insurance Group Limited
  • AWP Services New Zealand Ltd
  • Berkshire Hathaway Specialty Insurance Company
  • Bounce Insurance Limited
  • CFC Underwriting Limited
  • Chubb Insurance New Zealand Limited
  • Classic Cover Insurance
  • Club Auto Insurance (NZ) Limited
  • Cover-More (NZ) Ltd
  • Delta Insurance New Zealand Limited
  • Dual New Zealand Limited
  • Emergence NZ Ltd
  • IAG New Zealand Ltd
  • Insurance Underwriters (NZ) Limited
  • Lumley, a business division of IAG
  • Market Lane Insurance Group (NZ) Limited
  • Mecon Insurance Limited
  • Nautilus Marine Underwriting Agency Ltd
  • NM Insurance
  • NZ Underwriting Agencies
  • NZI, a division of IAG New Zealand Limited
  • Protecsure Pty Ltd
  • QBE Insurance (Australia) Limited
  • Solution Underwriting Agency Pty Ltd
  • Star Insurance Ltd as Underwriting Agents
  • TAI, a division of Insurance Wholesale Limited
  • The Hollard Insurance Company Pty Ltd
  • TLC Insurance Ltd
  • Totara Property Insurance Ltd
  • UAA New Zealand Ltd
  • Vero Insurance New Zealand Limited
  • Vero Liability Insurance Limited
  • Vero Marine Insurance Limited
  • Zurich Australian Insurance Limited
  • And more

Our financial advisers give advice on our behalf. You can read the adviser disclosure statement for Cedric Suifua, our Head of Broking — New Zealand.

Fees, expenses, or other costs

We earn through a combination of fees and commissions. Fees are based on the time and complexity involved in arranging new business or renewing your policy, and mid-term adjustments, endorsements or cancellations during the policy term may incur a fee as outlined on your invoice. There are no set fixed fees. Any fee will be disclosed to you before or at the time the relevant transaction is completed.

Any additional charges, like credit card fees, will be disclosed in our recommendations.

Conflicts of interest and incentives

We may receive a commission from insurance providers based on your premium when we arrange or renew your policy. The commission rate is set by the insurer and may vary by insurer or product. If a mid-term adjustment, endorsement or cancellation results in a return premium, we may retain some or all of the commission relating to that refund. We may, at our discretion, reduce or waive some or all of the amount retained depending on the circumstances.

Referral fees we pay to partners are usually based on remuneration arrangements. If a conflict of interest arises, we will promptly disclose it and prioritise your interests.

Our advisers are dedicated to acting in your best interests, supported by a conflicts and gifts register to maintain transparency.

CBN NZ retains a portion of the income for professional support to us.

Premium funding

To make payments easier, we offer premium funding, allowing you to pay in instalments. Please note, premium funders charge interest and can cancel policies for non-payment. In these arrangements, the funding company may pay us a commission on the amount funded, with CBN NZ retaining a portion. Commission is capped at 3%.

Complaints handling and dispute resolution

If you have feedback or concerns, first please discuss this with your adviser.

Please refer to the CBN NZ Complaints Process for our full complaints and disputes process. We’re here to resolve issues efficiently and transparently. A summary is also available on our complaints page.

Reliability event

We, and our personnel, have not been subject to a reliability event.

Our duties to you

Under the Financial Markets Conduct Act 2013, we, CBN NZ, and anyone advising on their behalf are committed to:

  • Giving priority to your interests by taking all reasonable steps to ensure our advice is not materially influenced by our own interests
  • Exercising care, diligence, and skill in providing you with advice
  • Meeting standards of competence, knowledge, and skill as set by the Code of Professional Conduct for Financial Advice Services
  • Meeting standards of ethical behaviour, conduct, and client care as set by the Code of Professional Conduct for Financial Advice Services

For more details on these obligations, feel free to contact us or visit the Financial Markets Authority website at fma.govt.nz.

Contact information

Glossary

For your reference:

  • Authorised Body: An authorised and registered entity, named on a provider’s licence, enabling them to offer licensed services.
  • Financial Adviser: A registered and qualified financial adviser with skill, experience and scope in specific market products and financial services.
  • Financial Advice: Recommendations regarding suitable financial advice products for you.
  • Financial Markets Authority (FMA): NZ’s regulatory body overseeing financial services and securities markets.

Let us know if you have questions or if there’s any way we can support you.