Nothing in life runs smoothly one hundred percent of the time; hiccups happen. Often, they’re not a big deal, but if those hiccups affect your business, they can put your ability to trade at risk.

Insurance is one of the most important products you will ever buy, and potentially also one of the most complicated and confusing. With so many different kinds on offer, all with slightly different features, benefits and costs, it’s often difficult to identify the right solution for your business. You don’t want to find out at claim time that you’re not covered for the things you thought you were, or that your level of cover is inadequate. That’s why getting advice from an experienced insurance broker is so important. But how do you choose someone who is going to help you make the right decisions?

New Zealand has an unenviable track record when it comes to workplace health and safety. According to Worksafe New Zealand, one or two people die every week from work-related accidents. Additionally, hundreds more die each year from occupational diseases such as asbestosis. As the result of this, and in the wake of incidents like the Pike River mining disaster, New Zealand’s workplace safety legislation was recently reviewed and updated. The Health and Safety at Work Act (HSWA) 2015 came into effect in April 2016. The new laws place additional responsibility on business owners for the wellbeing of their staff while at work.