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One claim or one cyber attack can undo years of hard work. Our brokers review your Professional Indemnity and Cyber cover, close the gaps, and make sure you’re not paying more than you should.
Direct financial losses reported to New Zealand’s National Cyber Security Centre in 2024/25, across almost 6,000 reported incidents
of NZ small and medium businesses experienced a cyber threat in the past six months (NCSC, 2025)
Indicative cost of taking even a straightforward professional negligence claim through the New Zealand courts, before any settlement
Estimated cost of a data breach for a New Zealand small business (NCSC)
For most businesses the question is not whether something will go wrong, it is whether you can afford it when it does. The right cover turns a business-ending bill into a manageable excess. The wrong cover just turns up at renewal time with an invoice.
Professional Indemnity and Cyber are the headline acts, but we build cover around your whole business, commercial and domestic.
Covers claims that your advice or service caused someone financial loss, including the legal costs of defending yourself, even when the claim has no merit.
Helps your business respond and recover when you are hacked, held to ransom, or knocked offline. Covers response costs, lost income and your liability to affected customers.
Covers injury to people or damage to property that happens in the course of running your business, on your premises or out on a job.
Covers defence costs and certain penalties for unintentional breaches of New Zealand legislation, from the Fair Trading Act to Health and Safety obligations.
Protects the personal assets of directors and officers if they are sued over decisions made while running the company.
Covers your gear, your premises and the income you would lose if your business could not trade after an insured event.
Here’s an example based on a typical review: a 12-person consultancy that had renewed its Professional Indemnity policy on autopilot for three years, with no cyber cover in place.
Cover Details |
Before Review |
After Review |
Outcome |
|---|---|---|---|
Annual premium |
$9,065 + GST |
$6,900 + GST |
Better terms by making insurers compete |
Professional Indemnity limit |
$1 million |
$1 million |
Same coverage lower premium |
Professional indemnity excess |
$10,000 |
$2,500 |
Less out of pocket at claim time |
Cyber cover |
None |
$500,000 |
Response costs, lost income and liability now covered |
Public Liability |
$0 |
$1,000,000 |
Cover placed for property damage and personal injury |
Statutory Liability |
None |
$500,000 |
New cover for breach of government act |
Cyber Claims support |
Self catered with your IT department |
Broker managed with insurer provided Cyber Expert |
Experts at the right time |
By reviewing the policy instead of renewing on autopilot, this business doubled its indemnity limit, added cyber and statutory cover, halved its excess, and still paid less than the year before. That is what a 20-minute review can uncover.
No website. No sales. No revenue. That is the reality for businesses caught without cover, and one click on the wrong email is all it takes. A free cover review shows you exactly where you stand, before you find out the hard way.
It costs nothing to check. It can cost everything not to.
We look at what you have, what it costs, and where the gaps are, then tell you straight whether you are well covered or paying too much.
No hard sell. If your cover already stacks up, we will tell you that too.
From day one, our focus has been on helping Kiwis feel confident about their money, and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
