ROTHBURY INSURANCE BROKERS
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1 ROTHBURY INSURANCE BROKERS NEW ZEALAND HOMEBASED CHILDCARE ASSOCIATION 2014 CONFERENCE FRIDAY 5 th SEPTEMBER 2014 Simon Helm Branch Manager and Leader Business Development & Sales Rothbury Tauranga
2 Who are Rothbury? Agenda Our vision Who are our clients? Where we are located? Why use a broker? Rothbury can assist you with: Commercial Domestic Claims service
3 Agenda continued Covers we already provide to your Members and Association Public Liability Statutory Liability Association Liability Claims Examples Recommendations Questions
4 Who are Rothbury? Fourth largest insurance broking company in New Zealand 200 staff across New Zealand Largest majority New Zealand owned brokerage recently becoming the founding NZ partner of the Steadfast Broking Network Annual premium now $100 million 15 branches across New Zealand servicing 29,000 clients
5 Our Vision To be a truly great New Zealand company, driven by passionate people, committed to the future financial security and success of our clients.
6 Who are our clients? People and business owners like yourselves Commercial & Domestic Insurance 29,000 clients 20% tailored solutions 50% commercial 25% domestic 5% rural
7 PAUL YOUNG Branch Manager Covi Insurance LISA WILLIAMSON Leader - Business Development and Sales Northland GARRY STEWART Branch Manager North Shore CHRIS HUGHES North Island Operations Manager/ Leader Business Development & Sales (Auckland) DENISE BELLINGHAM Branch Manager Go Cover LARRY BARNETT Leader Business Development & Sales Classic Cover KELVIN HOLMES Branch Manager Ashburton KIM MATTHEWS Branch Manager Hawke s Bay SIMON HELM Leader - Business Development and Sales Tauranga MARK SLOMAN Branch Manager Waikato PHIL THOMPSON Branch Manager Central Otago NATHAN HAYWOOD Branch Manager Southland PETER MCAULIFFE Branch Manager Otago ALLAN HENDERSON Leader - Business Development & Sales Wellington GREG GREENWOOD South Island Operations Manager / Leader - Business Development & Sales Canterbury
8 Why use a broker? Independent Professional Advice Should work as an advocate for you not an insurer Obtain a range of comparisons for you Independent claims assistance and advocacy Personal Service
9 Rothbury can assist you with: Commercial Insurance Business Assets Business Interruption Commercial Motor Vehicles Public, Statutory and Employer s Liability Management, Trustees and Association Liability Professional Indemnity Corporate Travel
10 Domestic Insurance House Body Corporates Rental Properties Contents Private Motor Vehicles Pleasure Craft Leisure Travel
11 Claims Service We take responsibility for managing your claim We work with the insurance company and support your best interests We negotiate with the insurance company until we get a result we know is fair for you Most offices have a dedicated Claims Manager who is specifically there to manage your claim on your behalf
12 What covers do we already provide to your Members
13 $1million limit for any one event and in the aggregate $ excess 3rd party property damage or bodily injury arising from the Member s business activities and services provided that they are found legally liable for. Includes defence costs Public Liability Does not include damage caused to Member s property Excludes Professional Indemnity
14 Statutory Liability $2million limit for any one event and in the aggregate $ excess All businesses are exposed to liability arising from accidental or unintentional breaches of the statutory Acts of Parliament such as the Health and Safety in Employment Act, Resource Management Act, Consumer Guarantees Act, and Fair Trading Act Covers you for reparation costs, legal costs and legally insurable fines (excluding H & S fines)
15 What covers do we already provide to your Association
16 Association Liability A suite of covers including: Professional and Management Liability General, Statutory and Employer s Liability
17 General Claims Examples Damage caused by children in your care Resultant Damage Tradesman puts a nail through a pipe Actual Damage Salesman spills oil on carpet Statutory Liability Health and Safety Each claim is different and depends on the circumstances pertaining to the event
18 Recommendations Do not admit liability Do not say anything that may prejudice your insurers ability to defend the claim Refer to your broker immediately Take all reasonable steps to minimise the claim and avoid any further loss arising Talk to Rothbury, we have an exclusive facility for up $2m turnover businesses
19 And finally Every successful referral across the whole company generates income for your Association Reduced premiums and Lower Excesses Wider cover
20 Any Questions?
21
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