The examples of insurance premiums given are of insurance premiums that RGIB’ have been able to secure on behalf of clients in recent years – however, we can not guarantee that those same premiums are available to all other clients even if their risk and demographic circumstances are similar to and/or identical to those clients who’s insurance premiums are used as examples thus, you should not rely on or expect that those or similar insurance premiums will be available to you.

On 1 July 2009, RGIB’ entered into an agreement with Western Pacific Insurance where RGIB’ agreed to initially refer existing and new client enquiries for small business and enterprise type insurances to Western Pacific Insurance Limited [NZ] Please refer to the further information below concerning the agreement between RGIB’ and Western Pacific Insurance Limited [NZ].

The examples on the previous page for ‘Contents, Stock and Fit-Out’ include cover for:

Fire Explosion Storm and Tempest Glass Breakage

Burglary & Theft Malicious Damage Impact Electric Motors (machinery breakdown)

 The examples in relation to ‘Public Liability Insurance’ includes cover for:

Public Liablity Professional Negligence Treatment Risks Occupiers Liability Product Liability

Customers Personal Effects First Aid Statutory Liability Employers Liability

The insurance premium examples given in the columns ‘Our Price’ – ‘Was Paying’ include Statutory charges such as Fire Services Levies and GST - Public Liability includes Statutory and Employers Liability and is usually NOT available separately from ‘Contents, Stock and Fit-Out’ cover.

The Agreement between RGIB’ and Western Pacific Insurance Limited.

In consideration to entering the agreement RGIB’ took into consideration the products, polices and premiums available from Western Pacific Insurance Limited at the time, and were of the view that Western Pacific Insurance Limited offered clients requiring insurance for their small business and enterprise related insurances a superior level of product, policy and service at very market competitive premiums however, RGIB’ can not guarantee clients that Western Pacific Insurance Limited will always provide a superior product, policy or service at very market competitive premiums or at premiums similar to those given as examples herein.

Under the agreement, RGIB’ might from time to time receive a commission higher than industry average in respect of insurance business referred to Western Pacific Insurance Limited and does not, unless specifically instructed by the client; or if Western Pacific Insurance Limited reject a client’s risk, seek alternative terms from other licensed insurers in respect of small business and enterprise type insurances.

In circumstances where Western Pacific Insurance Limited decline to provide insurance terms to clients, or if a client instructs RGIB’ to seek alternative insurance terms from those otherwise available from Western Pacific Insurance Limited, RGIB’ may recommend alternative insurance arrangements with another insurer which may result in other material variances to the actual cost of insurance cover as compared to the premiums given as examples herein.
Neither Rural & General Insurance Broking Pty Ltd or its shareholders or agents warrant the performance of any insurance underwriter including Western Pacific Insurance Limited and insurance consumers should always take into consideration what insurance options are available from a range appropriate sources.

RGIB’ - Rural and General Insurance Broking Pty Ltd is a New Zealand registered general insurance brokerage and will always use it’s best endeavours to assure clients of a efficient and professional insurance broking service.