We have benchmarked NZI against three main client concerns:

• Claims handling: Strong local presence with established claims teams and trusted repairer networks across New Zealand. Known for reliability and solid communication during claim events.

• Price competitiveness: Generally well-positioned for commercial property and Body Corporate risks, offering fair pricing aligned with strong policy coverage.

• Property appetite: Wide appetite across commercial, industrial, and strata property classes, supported by broad policy wordings and consistent underwriting.

We've found NZI is a great fit for:

• Commercial property portfolios – stable appetite for office, retail, and light industrial assets.

• Commercial & Residential Body Corporates – competitive structures and proven claims experience.

• Warehousing – appetite for standard, well-managed storage risks.

• Industrial – suitable for light-to-medium hazard manufacturing and trade occupancies.

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

• High NatCat zones – conservative on earthquake and flood-prone regions such as Wellington and Hawke’s Bay.

• Older buildings – selective where deferred maintenance, seismic risk, or ACP cladding is present.

• ACP/EPS exposure – limited appetite where Aluminium Composite Panels (ACP) or Expanded Polystyrene (EPS) materials exceed 15% of the total floor area.

• Capacity constraints – can be conservative on large schedules, often preferring to share or co-insure when sums insured are substantial.

• Highly price-sensitive placements – may be undercut by challenger brands like Ando on smaller portfolios.