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FullCover March - Business

Top insurance trends to watch in 2026

A snapshot of the major insurance trends affecting New Zealand businesses in 2026, from climate and cyber risk to underwriting and regulatory change. Learn what may influence pricing and protection at your next renewal.

Stay ahead of the trends
Building reforms: New compliance obligations for developers & design professionals

An overview of major building system reforms expected in 2026–27, including new warranty, professional indemnity and liability requirements. Learn what developers, builders, architects and engineers should be preparing for now to meet emerging compliance and insurance expectations.

See what’s changing
Cyber Risk: What every kiwi business needs to know

An overview of the key cyber risks currently affecting New Zealand SMEs, including email compromise, ransomware disruption and payment fraud. Learn which practical controls make the biggest difference and how businesses can strengthen their cyber posture to reduce exposure.

Strengthen your cyber resilience
Managing climate and flood risk: What businesses should know

An overview of the growing flood and severe weather risks facing New Zealand businesses, and the potential impact on operations and costs. Learn how to reassess exposure, strengthen resilience and use updated hazard mapping tools to better manage climate related risk.

Check your flood risk
RMA reform in practice: what businesses need to get right in 2026

An overview of how recent RMA changes are shifting greater responsibility onto businesses, including the impact of uninsurable environmental fines and significantly higher penalties. Learn which governance practices, documentation and risk controls businesses need to focus on under the new regime.

Review your environmental risk
FENZ levy changes: What businesses need to know from 1 July 2026

An overview of upcoming changes to how Fire and Emergency New Zealand levies are calculated on commercial insurance policies. Learn what may influence your levy at renewal and where businesses should expect change.

Understand the new levy rules

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