Insurance for SME's

Thousands of small and medium enterprises (SMEs) throughout New Zealand get their business insurance through Crombie Lockwood – either directly through our own insurance advisors or through our partnerships with ANZ and a wide range of industry bodies.

These comprehensive business insurances provide small and medium enterprises with cover for risks such as:

  • damage or material losses
  • liability
  • professional indemnity
  • business continuity
  • key persons’ life and health.

Make best use of our experience

Our insurance brokers have extensive experience across a range of business types and industries. Through hundreds of conversations with these businesses we gained valuable insights which helped us to develop SmartPAK; the smartest cover on the market for New Zealand’s small and medium businesses.  It has three times the smarts of your existing cover:

1. Higher automatic cover limits to prevent underinsurance

2. Lower excesses

3. Better Business Interruption protection

Click here to make an enquiry and we’ll contact you with more information.

Insurance schemes for particular industries

As a member of your industry, you may be eligible for advantageous insurance packages and rates through Crombie Lockwood.

We have special national schemes for industries and commercial sectors including:

  • Car dealerships
  • Chartered accountants
  • Electricians
  • Farmers
  • Funeral directors
  • Hotels & pubs
  • Real estate
  • Restaurants & cafés
  • Schools

In addition, we have a number of smaller local schemes you may be able to slot into.

These include schemes for:


To learn more about the benefits of using an insurance broker click here.

To make an enquiry Click Here

Important Information The information on this website is only intended to provide a general summary or introduction to a product, offering or service.  Any decision to purchase this product should be based on specific advice for your business or personal needs.  For further information on this product, offering or service please speak to your broker.