Business insurance · New Zealand · Head-to-head
AMI Business vs Vero Insurance
Two New Zealand business insurance options, compared side by side for New Zealand trades.
Which should you choose?
AMI Business and Vero Insurance are closely matched (both Tier A) for New Zealand business insurance. The right choice comes down to fit: weigh the pros, cons, pricing, and New Zealand-specific notes for each against your trade and region.
AMI Business
Tier A · WorkableNZ IAG retail brand — Tradies Bundle accessible direct online
AMI is IAG's NZ retail brand — same parent as NZI but more consumer-facing. Tradies Bundle is direct-online quoting accessible for solo and small NZ trades. Lower pricing than NZI broker-distributed for simple cases.
Pros
- + Direct-online quoting accessible
- + IAG parent provides institutional stability
- + Accessible pricing for solo/small tradies
- + Clear product bundling
Cons
- − Less coverage depth than broker-distributed Vero
- − Best fit for simple cases
- − Limited complex/specialty options
New Zealand note
Direct-online accessibility makes AMI a quick-quote option vs broker-distributed alternatives.
Vero Insurance
Tier A · WorkableMajor NZ underwriter — all-in-one tradies package, broker-distributed
Vero is one of NZ's major insurance underwriters — known for all-in-one tradies packages distributed through broker channels (Crombie Lockwood, Gallagher NZ). Strong fit for NZ tradies wanting bundled coverage in a single policy.
Pros
- + All-in-one tradies packages
- + Major NZ underwriter with mature claims
- + Broker distribution provides relationship-driven service
Cons
- − Not direct-online quoting
- − Pricing varies significantly by broker
- − Less transparent than direct insurers
New Zealand note
Broker-distributed primarily — not direct quoting. Crombie Lockwood and Gallagher NZ are common Vero brokers for tradies.
More New Zealand options
See all New Zealand business insurance vendors and the rest of the New Zealand directory.