We have benchmarked Delta against three main client concerns:

• Claims handling: Locally managed, with an in-house NZ claims manager and authority for quick settlements. Focused on fast response and clear communication.

• Price competitiveness: Operating in a softening market, Delta shows strong pricing flexibility, particularly across office, retail, and light-industrial property portfolios.

• Property appetite: Broad underwriting capability from office and retail through to light manufacturing. Particularly strong on childcare, medical/dental, care homes, and modern commercial builds. Offers tailored solutions for schemes and co-insurance portfolios.

We've found Delta is a great fit for:

• Commercial property portfolios – up to $25 M per location for standard commercial buildings.

• Commercial & Mixed-Use Body Corporates – flexible terms for properties with older construction or complex configurations.

• Warehousing & light manufacturing – appetite for low-to-moderate hazard occupancies.

• Professional and community buildings – strong interest in offices, medical centres, education, childcare, and aged-care facilities.

We've found Delta may not be the best fit for:

• High-hazard occupancies – dairies, vape or liquor stores, laundromats, dry-cleaning, plastics, woodworking, or heavy industrial.

• High-risk hospitality – rural pubs, taverns, and nightclubs.

• Large-scale manufacturing or heavy industry – exposures beyond Delta’s $25 M line size.

• Low-value residential portfolios – not the focus of Delta’s underwriting appetite.