Who is 360 Commercial?

360 Commercial (previously Rosser Underwriting) is a specialist underwriting agency providing smart insurance solutions for the New Zealand SME, Not-for-Profit and Sporting Organisation sectors in conjunction with our global insurance partners. We commit to providing our broker partners with professional, personalised service and tailored solutions to help you do you job.

360 Commercial contacts

We commit to providing our broker partners with professional services and insurance solutions

What makes 360 Commercial Different?

Market-leading solutions through our partnerships with international insurance providers
Our team of professional and experienced underwriters will provide you with fast, friendly and helpful service
We provide personal service from regionally-based Underwriters across New Zealand.

The Product

The product’s simplified design and expanded covers were built to combat the industry’s commoditisation of business packages.  We provide brokers with unique solutions that add value and certainty for their commercial and Not-For-Profit clients.

The following is a high level summary of our underwriting appetite. For an overview of the features & benefits and key exclusions of each product, please download the individual Product Profiles found below.

Property

SureFoundation

  • Comprehensive property and interruption package designed for New Zealand SME and Not-for-Profit groups and organisations.
  • A dedicated multiline package covering Property and Liability risks for sports, fitness and recreational clubs and organisations.
  • Focus on property up to $20m total sum insured.

Earthquake Prone Risks and Pre 1935 

  • Comprehensive property and business interruption for risks that are in earthquake prone regions (such as Wellington).
  • Cover available for buildings built pre-1935, those with lower NBS and/or those that have been paid out by NHI (previously EQC) but not repaired yet.
  • Access to earthquake excess buy down options.
  • Focus on property up to $10m total sum insured and backed by Lloyd’s.

Lloyd’s Hard to Place Risks

  • Hard to place Property and Liability risks that are not easily insurable in the local New Zealand insurance market place.  Example of hard to place risks including chemical manufacturer, food processing, warehousing, fabricators, breweries, golf clubs, waste & recycling etc.
  • Sums insured up to $50m and placed in the Lloyd’s market via a dedicated NZ lineslip.

Lloyd’s High Fire Risks

  • Comprehensive property and business interruption for risks that are considered higher fire hazard risks.  Examples of high fire risks may include a woodworker, buildings constructed of EPS, remote locations not near a fire station, vacant buildings, high risk manufacturing, etc.
  • Focus on property up to $5m total sum insured and backed by Lloyds.

Liability

SureDirection (Management Liability)

  • Full suite of liability protection appropriate for all SME clients and Not-for-Profit groups and organisations..
  • Tailored, cost-effective coverage options without unnecessary, bundled-in cover.
  • Optional covers available include Director’s & Officer’s Liability, Employment Practices Liability, Crime, General Liability, Statutory Liability, Employers Liability, Cyber and Professional Indemnity/Liability. An option exists for Medical Malpractice cover for certain occupations.
  • Various Liability sums insured available up to $10m and 20m for General Liability.

Policies

SureFoundation Property Policy Wording

Download

UK Property Policy Wording (Open Market)

Download

SureDirection Management Liability Policy Wording

Download

UK Liability Policy Wording

Download

UK Property Policy Wording

Download

Product Profiles

SureFoundation Product Profile

Download

UK Liability Product Profile

Download

SureDirection Management Liability Product Profile

Download

UK Property Product Profile

Download

UK Property Product Profile (Open Market)

Download

Proposals & Declarations

SureDirection Management Liability Proposal Form

Download

Complex Risk Proposal Form

Download

Fire & Emergency Levy – Indemnity Value Declaration Form

Download

London Market Property Questionnaire

Download

SureFoundation Property Proposal Form

Download

SureDirection Management Liability Declaration (Short)

Download

Commerical Cafe, Takeaway, Restaurant Inspection Questionnaire

Download

Unoccupied Property Proposal Form

Download

SureDirection Management Liability Declaration (Long)

Download

Hair and Beauty Questionnaire

Download

UK Property & UK Liability Proposal Form

Download

UK Liability
Declaration

Download

Woodworker / Joinery Questionnaire

Download

Claim Forms

Liability Claim Form

Download

Property Claim Form

Download

AIG Express Overview (Property)

Download

Other Documents

AIG Important Information (Disclosure Statement)

Download

Disputes Resolution Process

Download

UK Important Information (Disclosure Statement)

Download

Privacy Statement

Download

UK Important Information (Disclosure Statement) (Open Market)

Download

To view documentation for policies incepted prior to 21 June 2024

Click here

Trading Terms & Conditions

Download

Contact 360 Commercial

    *Mandatory fields

    Ryan Clark

    Executive Director – Commercial

    M. 021 578 358
    E. ryan.clark@360uw.co.nz

    View Team