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How Does A Commercial Insurance Broker Help?

Lets face it – Insurance is something of a grudge purchase… you wouldn’t buy it if you didn’t have to..if only people behaved properly and accidents didn’t happen, you wouldn’t need it.  There are three ways a good Insurance Broker can make the process way less painful though…

Saffron's Insurance Pain Avoidance Plan:

1. Don't Pay More Than You Have To

2. Don't Buy Policies You Don't Need

3. Don't Get Stung At Claims Time

As Part Of Saffron’s Insurance Pain Avoidance Plan, Your Commercial Insurance Broker Will:

  • Take the time to fully understand your organisation and its unique risks.
  • Only recommend those policies that help you manage your risks.
  • Scour the entire market to ensure you are presented with not only the best premiums, but with policies that will genuinely cover your risk in the case of a claim – policy wordings are the key.
  • Make sure you have adequate cover and have understood the things that can’t be insured, but handle your claim personally if the worst happens and drive it to the best possible outcome for you.
  • Contact you regularly to make sure our knowledge of your business is up to date, not just send out a renewal document once a year.
  • Get back to you in a timely manner, and be a supportive and friendly advisor.

For more information or an obligation-free insurance quote, complete the form, and your Saffron Commercial Insurance Broker will contact you shortly.

Premiums are based on a multitude of factors, including occupation, time in business, age, construction of property, tenancy, housekeeping, fire and burglary protection, specific risks, industry and claims history. Deductibles are fairly “standard” across the industry, but are adjusted on the above factors as well. Should the business have to pay for losses out of its own reserves or facilities then the balance sheet is weakened.

Not insuring adequately or at all can potentially lead to the end of the business. No business should be without cover. Saffron Business Insurance Brokers can provide cover for all of your insurance needs, whether Property, Liability, Marine, Accident & Health, Trade Credit, and Cyber, Motor Vehicle and beyond. We tailor-make business packages to your requirements dependent on your business needs.

What Clients Are Saying:

Tammy, you’ve been an absolute pleasure to deal with. The premium was fantastic!

Geoff Kelly

Great service, great attitude – it’s how getting insured should be – EASY AS! thanks Saffron Business Insurance for a superb start to what I expect to be a long standing relationship. Mal Snaize IT Consultant.

Mal Snaize, IT Stuff

Excellent customer service support when required, great knowledge of insurance options.

Wild Appetite
Albany, Auckland

Absolutely Fantastic Fast , Friendly and very professional. This is what every Kiwi business needs to strive to achieve. Saffron Insurance is exemplary.

Eddie Hania, PlastiCard
East Tamaki, Auckland

Our request for Liability Insurance was not run of the mill, yet Saffron (Bianca Painter) went out of their way to assist. The help we got from Bianca was excellent. Our request for public liability insurance was not standard and she was able to use her industry knowledge to provide what we needed. Excellent industry knowledge and service!

Linda Otto
Upper Hutt, Wellington

Our previous broker just rolled us over each  year without seeming to do much, Saffron went  the extra mile to find the best cover for us, including investigating overseas markets.

Cameron B

A pleasure and an honour to deal with.

Rachel P

We have dealt with Bianca Painter at Saffron Business Insurance. Bianca’s knowledge of the insurance business, together with the service that has provided by her, has made our insurance portfolio more efficient and easier to understand. Bianca is always available to help with any query or problem and it has been an absolutely pleasure dealing with her. Would highly recommend this company.

Clare Ormerod, Wild Appetite
Albany, Auckland

Thank you for your patience, I must say  you have been very easy and professional  to deal with, we thank you for this

Karen R

Saffron helped us make cost saving changes to our policies which didn’t reduce our cover at all, and which we would never have spotted; that’s when you realise you’re being dealt with by a true professional.

Ian T

Management Team:


Bianca Painter
CIP, ANZIIF Snr Associate

Steve Shimwell
Business Development Director

IBANZ better quality

Saffron Business Insurance Limited is a licensed Commercial Insurance Broker (Financial Service Providers Register: FSP 719612), a member of the Insurance Brokers Association of New Zealand (IBANZ) (, and a Broker Network member of Steadfast Group Limited (, an intermediary network that assists insurance brokers in day-to-day management, expertise, and the compilation of a number of specially written policies for the benefit of our clients. Saffron Insurance's Physical Office is located at: Level 1, 50, Centre Way, Orewa, Auckland. Our main remuneration for services is calculated as either commission paid to us by the insurer or underwriting agency, or a fee paid by you, or a combination of commission and fee; a full Disclosure Statement is available from your appointed broker. FINANCIAL SERVICES COMPLAINTS LTD (FSCL) ( Under the Financial Service Providers (Registration and Dispute Resolution) Act 2008, all individuals that are providing advice about Fire & General Insurance Products are required to be registered and have an approved external dispute resolution provider. Saffron Insurance has chosen Financial Services Complaints Limited (FSCL) to be our provider. FSCL provides dispute resolution services to participating financial service providers (FSPs) and their clients. The FSCL process focuses on resolving complaints through conciliation and assisted negotiation, and is also able to make formal Determinations which are binding on Financial Service Providers.

Privacy Policy:
Saffron Business Insurance Limited (“Saffron”) complies with New Zealand Law protecting Client privacy and data. Compliance is very specific in Insurance, in regulation and management of such privacy and data for Clients, and details of our procedures for Clients can be found on our Terms and Conditions page. In addition to the compliance applied to our Clients, the following privacy policy applies specifically to Clients, all persons and organisations contacting us, visitors to our website, and persons or organisations responding to our Online advertising content.
PRIVACY POLICY PURPOSE: 1. The purpose of this privacy policy is to let users of (the “Site”) know when we collect personal information and what we do with it. We do not use, share or transfer personal information in connection with the Site except as set out in this policy. COLLECTION, STORAGE AND USE. 2. No need to disclose personal information. The Site can be viewed and its web feeds can be subscribed to without the need to disclose any personal information to us. 3. YOUR DISCLOSURE OF PERSONAL INFORMATION. However, you may choose to disclose personal information when adding material to the Site or submitting your contact details via contact forms. Such information will be viewable by Site administrators, staff, and contractors (including third parties providing services related to the administration, improvement, and/or securing of the Site and the information it contains (“Third Party Contractors”)) and, if published voluntarily in the blog, members of the public. Please do not post or otherwise transmit personal information of a sensitive nature. 4. HOLDING OF INFORMATION. Personal information that you provide will be held by Saffron, and may be shared with, and held by, Third Party Contractors to the extent necessary for the services they provide related to the administration, improvement, and/or securing of the Site and the information it contains. Email addresses provided when commenting in the discussion forum or other areas of the Site or when emailing feedback directly to us are not made available to the public. Unless required by law, we will not publicise the names or email addresses of individuals who provide feedback to us without their consent. 5. USE OF PERSONAL INFORMATION. We will only use personal information provided to us for the purposes of administering, evaluating, improving, and securing the Site and the information it contains, improving our services and communicating with you in response to enquiries you have made regarding our products or services. 6. FEEDBACK. Feedback is important and is used to evaluate and improve the Site. If you provide feedback on the Site directly via the supplied email address, that feedback will be sent to appropriate Saffron staff. We may pass on relevant comments to other people within Saffron who administer, have contributed content to, or are otherwise interested in, the Site. This could include your email address and other identifying information. STATISTICAL INFORMATION, ADVERTISING, REMARKETING AND COOKIES. 7. Statistical information collected: We may collect statistical information about your visit to help us improve the Site. This information is aggregated and non-personally identifying. It includes: -your IP address, the search terms you used, the pages you accessed on our Site, and the links you clicked on, the date and time you visited the site, the referring site (if any) through which you clicked through to this Site, your operating system (e.g., Windows XP, Mac OS X), the type of web browser you use (e.g. Internet Explorer, Mozilla Firefox); and, other incidental matters such as screen resolution and the language setting of your browser. 8. USE OF STATISTICAL INFORMATION. The statistical information referred to above will be viewable by Site administrators and certain other Saffron staff. 9. COOKIES. This Site generates persistent session cookies for the purpose of monitoring Site usage and for Marketing and Remarketing purposes using the Google Display and Google Search Networks and Facebook. The cookies may be used to show our Adverts on third party websites, including Google’s and Facebook's own websites. The third-party websites may use cookies to display appropriately targeted ads based on your enquiries and browsing preferences. The cookies do not collect personal information. You can disable them or clear them out of the web browser you are using to view this Site without affecting your ability to use the Site. You can opt out of Google Cookies, please follow the link to Google’s Ad Settings to find out how. RECORDS AND DISCLOSURE STATEMENT. 10. PUBLIC RECORDS. Your emails and contributions to the Site may constitute public records and be retained to the extent required by the Public Records Act 2005. RIGHTS OF ACCESS AND CORRECTION. 11. Your rights Under the Privacy Act 1993, you have the right to access and to request correction of any of your personal information provided to Saffron in connection with your use of this Site. If you would like to see the personal information relating to you that Saffron has stored, or to change such personal information, or if you have any concerns regarding your privacy, please contact us at the address set out below. Saffron may require proof of your identity before being able to provide you with any personal information.

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