We have special policies for: 

Contracts works – with higher limits & wider cover than many standard NZ policies Tools of trade – our policy can have a $100 excess; most NZ policies have excess of $1,000/$2,500. Our policy does not depreciate settlement on tools over 2 years old, many NZ policies depreciate tools over 2 years old by 50-60%. Liability policies – our policy can include cover for faulty workmanship & the item being worked on, many Standard policies exclude this. 

Tools, Electronic, Photographic and Musical Equipment Portable equipment policies cover any portable equipment that you take out and about, this includes cell phones, laptops, test & survey equipment, tools, photographic and music/band equipment. Most NZ portable equipment policies have excesses of up to $1,000 (in some cases up to $2,500). If that was not bad enough, if the item is over 2-3 years old the insurers depreciate the settlement by up to 50-60%. Meaning that it might not be worthwhile making a claim. We have access to a policy with no depreciation and excesses as low as $100 We think that this is much fairer on you.