Insurance

NZCF has a comprehensive, tailored insurance package for member choirs provided by Gallagher (formerly Crombie Lockwood) (NZ) Ltd.  (underwritten by NZI Insurance (part of IAG New Zealand Ltd)) and has a claim rating of AA by Standard and Poor’s, reviewed annually.

The package consists of two parts: (a) liability and (b) assets insurance.

(a) Liability Insurance
Cover includes public liability, employers’ liability and statutory liability.

(b) Assets Insurance
Cover includes replacement for all choir assets as a result of accidental loss or damage, unforeseen or unexpected, to a maximum for any one choir of $50,000.

The premium charge per choir for 2025 (1 January to 31 December 2025) is $230 including GST. Gallagher can make provision, with an adjustment in premium, for any choir requiring assets cover over $50,000. Choirs that join the scheme for the first time after 1 July 2025 will be charged a reduced premium.

Other options:

• Flexibility for choirs with existing insurance to be phased into the scheme. A choir with existing insurance arrangements could cancel its current policy, claim a pro rata rebate and still find itself still better off financially
• Opportunity for choirs with special requirements to be addressed
• Offer by Crombie Lockwood & Race to facilitate on behalf of a choir in the event of any claims needing to be lodged
• Offer by Crombie Lockwood & Race to provide professional advice and support and to act as the point of contact for any enquiries or concerns.

Gallagher (formerly Crombie Lockwood) is the largest New Zealand-owned brokerage group. They have been in business for over 20 years and provide insurance solutions to individuals and companies throughout New Zealand, servicing these by way of 12 branches. In Dunedin the Group’s current staff of 5 share over 55 years of insurance experience between them. All hold current qualifications as brokers. 

What to do in the event of a claim or if you are unsure about any aspect of the insurance policy?
Please contact the insurer directly (not the NZCF office) with all queries:
Catherine Adam, Crombie Lockwood (NZ) Ltd, PO Box 5055, Dunedin.
Tel DDI: 03 470 0786
E-mail Catherine.Adam@crombielockwood.co.nz

NZCF insurance scheme for choirs 2025
NZI Employers Liability Policy Wording
NZI Statutory Liability Policy Wording