ICIB Brokerweb Insurance & Risk Advisory

AI is making scams slicker, quicker, and harder to spot than ever before.

That's why the theme of this year's National Cyber Security Centre Cyber Smart Week (5–11 October) is 'Find the scam before it finds you'.

As AI and other technologies evolve at a rapid pace, your greatest line of defence is your people. Technology can block some things but a watchful eye, a questioning mindset, and strong daily habits are what truly stop threats in their tracks.

To help, we are providing a range of tips and resources throughout this week. The aim is to assist you and your team with recognising and managing cyber threats before they cause major harm to your business.

Do you have the right Health Insurance policy structure for your needs?

Adjusting your excess is a strategic way to manage costs without losing essential coverage.

A quick check-in with your ICIB adviser can ensure you aren't overpaying for 'add-ons' you don't use, while keeping the important stuff protected.

Your legal liability as a business owner doesn't end at the perimeter of your premises.

As recent prosecutions have highlighted, equipment managed or controlled by your business can create legal liabilities even when your team isn’t directly on-site or operating it.

Read our latest article in The Profit business magazine to learn how Statutory Liability insurance and early reporting can protect your business when the unexpected happens -

https://www.theprofit.co.nz/business-liability-worksafe-hawkes-bay/

Think insurance fraud just means a declined claim?

In New Zealand a dishonest claim can result in cancelled policies, permanent loss of cover, mandatory repayments, and even criminal charges leading to prison time.

Read the Insurance Fraud Bureau New Zealand's latest blog to see real case examples and learn what's truly at stake -

https://ifb.org.nz/blog/insurance-fraud-has-a-criminal-record-what-really-happens-when-you-get-caught/

When you move your clocks forward an hour this Sunday, take a quick minute to test your smoke alarms, give them a clean, and look at their expiration dates.

Here's some handy tips from Fire & Emergency New Zealand on things to check -

https://www.fireandemergency.nz/home-fire-safety/smoke-alarms/

Water damage in rest homes is more than just a quick mop-up operation. It can disrupt operations, cost tens of thousands of dollars, and displace residents.

Read our article in the latest edition of AgedPlus Magazine on how insurance can help safeguard your facility and bottom line. It includes a real-life example of what happened in a local rest home when a burst sprinkler system caused over $100k in damage.

https://agedplus.co.nz/2026/08/24/insurance-helps-mop-up-rest-home-water-damage/

If your business faces potential loss or damage claims - whether its for public, statutory, or professional indemnity liability - acting fast is critical.

Submit a claim form as soon as you are aware of the loss, gathered alongside any correspondence from the third party holding you liable.

Also be sure to contact us first before hiring your own legal counsel or admitting liability, as the insurer may appoint counsel directly.

https://www.icib.co.nz/claims/liability

While wellbeing perks are often pitched to prospective employees, new research shows that one of the top three things people actually want is health, income, and life insurance.

According to the 2026 Cultivate Workplace Benefits Report, 18% of New Zealand workers prioritise health & income protection - ranking it directly behind time/flexibility (39%) and reducing everyday living costs (20%).

If you're designing employee benefits for your team, it’s time to have a chat with our Life & Health team.

https://www.icib.co.nz/products/life-and-health

We are pleased to announce that Life & Health Specialist Jade Haigh (Adviser & Director of Cover Life Limited) has joined the ICIB Brokerweb Group.

Based in Auckland, Jade brings over a decade of financial services experience and a well-earned reputation for dedicated client care. He will continue looking after his loyal client base under the ICIB Brokerweb banner, bringing deep expertise in personal covers such as Life, Disability, Trauma, and Health insurance.

Read the full announcement - https://www.icib.co.nz/news-insights/cover-life-acquisition

Have you recently had any new additions in your life or business? New car, new baby, new staff, new building extension?

All these things may have an impact on your insurance, so if anything big has changed let us know so we can help you make sure you have it covered!