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Smart SMEs have

Save 20%* on SMARTpak

Enquire below or phone us on 
0800 CL SMART 

Smart business insurance for SMEs

SMARTpak provides the key business insurances you need, in one convenient package. 
Designed especially for small to medium-sized businesses, it's suitable for businesses at any age and stage, across all industries. SMARTpak is a market-leading insurance solution, exclusive to Crombie Lockwood.

For more information about this offer, phone us on 0800 CL SMART or enter your contact details in the form below.

Join over 30,000 other SME business owners and save 20%* on SMARTpak today.

Terms and conditions

SMARTpak core covers 

Material damage 

  • Covers you for unexpected damage or loss to your business's physical contents i.e your stock, equipment and machinery as a result of fire, flood, earthquake or theft.

Business interruption

  • If you're prevented from trading as usual, this cover helps keep you running by minimising the impact of lost income and additional costs you incur.

Liability insurance

  • Public liability - cover for legal costs and compensation payments if you're found responsible for causing accidental personal injury to a third party, or damage to property. 
  • Employers liability - cover for damages and defence costs you're required to pay as a result of an injury claim made by an employee, not covered by ACC.
  • Statutory liability - protects your business and employees against unintentional breaches of most New Zealand laws. Covers defences costs and penalties.
  • Defective Workmanship and Property Being Worked On cover is automatically included. Ideal for trades.

Commercial motor vehicle

  • Cover for business vehicles, from single vans to fleets.

Contact us

Your details

ABOUT Claims 5050

Smart Business Brokers

Our brokers are here to provide SME business owners with practical insurance advice. Your Smart Business broker:

  • Works alongside you to understand your needs and risks
  • Is available to help on phone and email at a time that suits you
  • Keeps your insurance programme up to date with the needs of your business
  • Guides you through the process if you need to make a claim

About Crombie Lockwood

We're been providing trusted insurance advice to New Zealanders for over 40 years. We have a network of branches across the country, and established global connections through our parent company Gallagher. Our focus is to position you to financially survive any insurable event.