Cover for the advice you give and the work you sign off.
Consultants, engineers, architects, accountants, IT providers, property professionals, designers and advisers — cover for claims that your advice, design or service caused a client a financial loss, arranged by brokers who know what your profession's contracts ask for.
Professional indemnity, defence costs, run-off cover and contract-required limits — arranged around your profession.
General information only — cover always depends on your situation. See our disclosure, privacy policy and terms of engagement.
Insurance Business Top Brokerage, five years running — awarded to the Shielded group in Australia
Three steps between you and covered
No forms in triplicate. No hold music. Just a broker who does the legwork for you.
Start a quote
Fill in the one-minute form or pick up the phone. It starts with a friendly call from an NZ broker — no paperwork, no jargon.
We do the shopping
Your broker compares cover and premiums from multiple insurers, then recommends what genuinely fits your situation.
You're covered
We arrange the policy, manage it at every renewal and fight your corner at claim time. You're now Shielded.
Broking without the old-school waffle
A young, energetic team of experts who challenge how insurance broking usually feels.
Professional advice
Qualified brokers who explain cover in plain English and recommend what fits — not what pays best.
Award-winning group
Part of the Shielded group, a multi-award-winning brokerage founded in Australia and now in New Zealand.
Renewal management
Your cover gets reviewed and re-shopped before every renewal, so it keeps up as your life or business changes.
24/7 claims
Lodge a claim any hour, any day. Then your broker manages the insurer for you, start to finish.
Cover for the rest of your world
One broker can look after all of it — just ask.
Business insurance
From cafés and trades to offices, retail and professional services — your broker arranges the cover your business actually needs, then explains it in plain English.
- Public & statutory liability
- Professional indemnity
- Business assets & interruption
- Cyber cover
Truck & commercial vehicle
Rigids, tractor units, trailers, utes, vans and whole fleets — cover arranged by brokers who know NZ transport, whether you're line-hauling State Highway 1 or carting stock off-road.
- Trucks, trailers & fleets
- Carriers' liability
- Loss of use cover
- Utes & work vehicles
Rural & farm
Farms, lifestyle blocks, machinery, sheds and rural contracting gear — insurance arranged by brokers who understand that a farm is a home, a workplace and a business in one.
- Farm dwellings & sheds
- Tractors & machinery
- Livestock cover
- Farm liability
Home, contents & vehicle
House, contents and private vehicle insurance arranged by a broker — so you get cover that's genuinely right for you, not just the first quote a website spat out.
- House & contents
- Private vehicles
- Boats & trailers
- Landlord cover
Commercial property
Warehouses, retail premises, offices, industrial units and mixed-use buildings — insured for what it would actually cost to rebuild, with cover for the rent you'd lose while that work happens.
- Warehouses, offices & retail
- Loss of rent
- Body corporate & multi-unit
- Landlord liability
Construction & contract works
New builds, renovations, extensions and civil works — cover for builders, contractors and tradies that looks after the job itself, the gear you turn up with, and the people around the site.
- Contract works cover
- Public liability on site
- Plant, tools & equipment
- Design & build indemnity
Public & statutory liability
Public liability, statutory liability and employers' liability for NZ businesses, tradies and contractors — cover for the injury, damage or breach you never meant to cause, arranged by a broker who explains what each policy actually does.
- Public & products liability
- Statutory liability
- Employers' liability
- Contract liability limits
Directors & officers
Directors, officers, trustees and managers can be held personally liable for decisions made on the organisation's behalf. Directors & officers and management liability cover looks after their defence and the company's own exposure — for companies, trusts, incorporated societies and charities.
- Directors & officers liability
- Management liability packages
- Employment disputes
- Crime & fidelity
Cyber
Ransomware, business email compromise, data breaches and system outages happen to NZ businesses of every size. Cyber insurance gets an incident response team on the phone, covers the cost of getting you back up, and responds to the claims and regulators that follow.
- 24/7 incident response
- Data recovery & downtime
- Privacy liability
- Funds transfer fraud
Marine & cargo
Imports, exports, goods in transit around the country, commercial vessels and work boats — marine insurance for NZ importers, exporters, manufacturers and operators, arranged by brokers who speak Incoterms as well as insurance.
- Import & export cargo
- Goods in transit
- Commercial hull & work boats
- Marine liability
Professional indemnity questions, answered straight
No jargon, no fine-print games — just how it actually works.
Who needs professional indemnity insurance in New Zealand?
Anyone paid for their advice, design, expertise or professional service. Engineers, architects and building designers, accountants and bookkeepers, IT consultants and software developers, real estate and property professionals, surveyors, marketing and management consultants all commonly carry it. Many professional bodies, licensing schemes and client contracts require it — and even where it's optional, one claim can cost more than years of premium.
What does 'claims made' mean, and why does it matter?
Professional indemnity policies respond to claims made against you during the policy period — not to when the work was done. That has two consequences. First, you need the policy in force when a claim arrives, even if the work was years ago. Second, most policies have a retroactive date, and work done before it isn't covered. Keep cover continuous and check the retroactive date whenever you move insurers; your broker will do that check for you.
What is run-off cover?
When you retire, sell up or close the practice, claims can still arrive about work you did while trading. Run-off cover keeps a professional indemnity policy in place for those claims after you've stopped working, usually for a set number of years. Talk to your broker well before you wind down — the options depend on your current policy and your profession.
Does professional indemnity cover injury or property damage?
Not on its own — professional indemnity responds to financial loss caused by your advice or service, while injury and property damage sit under public liability. Many insurers offer combined professional and public liability policies for professionals, and some add statutory liability and cyber in the same package. Your broker will recommend whether a combined policy or separate covers suit you.
What limit should I carry?
Start with what your contracts and professional body require — engineering and design contracts, in particular, often specify minimums. Then think about the size of the projects you advise on and what a worst-case claim would look like. Premiums depend on your profession, fee income, claims history and the limit you choose, so your broker gathers competitive quotes you can compare for your situation.
Am I covered for work done by subcontractors or freelancers?
Often you are covered for your liability to clients for work done on your behalf, but not for claims the subcontractor faces directly. It depends on the wording, and the detail matters if you regularly bring in outside expertise. Tell your broker how your practice is structured and we'll make sure the policy reflects it.
Get a quote. It’s free.
One minute now, one friendly phone call later — and the insurance legwork stops being your job.