360 Commercial
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 your 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
Product Profiles
Proposals & Declarations
Claim Forms
Claim contact information can be found on the relevant claim form below.
Other Documents
UK Important Information (Disclosure Statement) (Open Market)
To view documentation for policies incepted prior to 21 June 2024
Trading Terms & Conditions
