Skip to content

Business Insurance for Complex & High-Risk Situations

WE DO
COMPLEX HIGH RISK HARD TO PLACE

WE DO
COMPLEX HIGH RISK HARD TO PLACE

We help NZ businesses get cover when others can’t.
Backed by 26+ years in underwriting and broking.

Briefly describe your business, project, risks, or what you have been told so far.
  • No obligation
  • Fast response
  • Practical solutions
Specialist Insurance

Specialist cover for complex industries

Construction

We understand complex construction risks, from contract works to liability. Cover structured properly to avoid costly gaps at claim time. Trusted by builders, contractors and project-led businesses.

Manufacturing (including EPS)

Specialist cover for manufacturers, including high-risk materials like EPS. We structure policies around production, liability and supply chain risk. Built for businesses where standard insurance often falls short.

Professional Services

Protect your advice, reputation and business with the right PI cover. We help structure policies that respond when claims actually arise. Clear, practical advice tailored to how you operate.

High Risk / Hard to Place

We specialise in risks other brokers struggle to place or structure. Access to markets and solutions not always available elsewhere. If it’s complex, unusual or declined, we can usually help.

How it works

Simple, expert-led insurance advice

We make complex insurance straightforward, from first conversation to cover in place.

Understand your risk

We take the time to understand your business, risks and current cover. No assumptions. No generic advice.

Structure the right cover

We design insurance that actually responds at claim time. Built properly from the start.

Place & support

We secure the right cover and support you ongoing. Especially when things get complex.

Why Choose Us

26 Years Experience

Personal advice

We take the time to understand how your business operates and what risks actually matter. Then we'll recommend cover that’s practical, not overcomplicated.

Industry know-how

We work with businesses across a wide range of industries and understand the common risks they face. That means better recommendations and access to quality cover at competitive rates.

Support when it counts

From getting set up properly to handling changes or claims, we're here to help you stay protected. You’ll have clear guidance at every step.

Solutions for hard-to-place risks

If your business is high-risk or difficult to insure, we can help find the right cover through specialist markets.

Ready to talk?

Get expert advice

Some risks don’t fit neatly into standard insurance. Tell us a bit about your business and what you need covered, we’ll help you work through it and find the right solution. 

Briefly describe your business, project, risks, or what you have been told so far.

Prefer to talk now?

021 333 712

We’re happy to have a quick chat about your situation, no obligation.

Email us:

ash@sib.co.nz

We typically reply within one business day.

Client Testimonials

Success stories

What New Zealand business owners say about working with us.

Justine Parsons

Business Owner

(5.0 / 5.0)
Rated 5 out of 5

“I contacted Ash to make sure our current business insurance was protecting our business and couldn’t be happier. Rather than simply email me a quote, we had a call where Ash explained why our current policy wasn’t aligned with our services and did quite a bit of research on what we needed to protect my business in terms of online data and cyber security. Being a virtual business it was a shock to hear we’d been paying for physical risk protection all these years and I’m so thankful we now have Sentinel looking after us.

Fantastic advice, no pressure, 3 quotes and friendly, professional and approachable support.”

Tim - HouseMe

Owner

(5.0 / 5.0)
Rated 5 out of 5

“We were introduced to Ash Greer at Sentinel Insurance when we were specifically looking for a broker with strong expertise in construction and liability, and from the outset, it was clear we were in capable hands.

After meeting with Ash, we appointed him as our broker, and he immediately undertook a comprehensive review of both our business operations and our existing insurance programme. Ash took the time to truly understand how our business operates and where our risks lie, and then rebuilt our insurance structure accordingly.

The results have been outstanding. In the first year, Ash made significant improvements, ensuring all of our assets were appropriately covered. In the second year, he went even further, re-marketing our programme again to deliver further improvements.

Ash’s attention to detail, deep understanding of both our business and the insurance market, and proactive approach have delivered exceptional outcomes for us. We now have complete confidence that our insurance programme genuinely supports and protects our business.”