Fraud Insurance Providers
Leading insurers and brokers offering commercial crime, fidelity, and cyber insurance — plus personal protection resources. Compare products and find the right cover for your situation.
Specialist Brokers
Brokers with specific expertise in fidelity, commercial crime, and cyber insurance for businesses.
Marsh NZ
Global broking expertise for cyber and commercial crime
Global network, local specialists — corporates to mid-market
Marsh NZ is one of the country's largest insurance brokers, placing cyber and commercial crime risks for corporates and mid-market clients across all major insurers. Coverage typically encompasses incident response, data recovery, business interruption, regulatory liability, legal fees, and PR expenses. Marsh's NZ cyber practice is growing rapidly given that more than half of NZ SMEs reported a cyber threat in a recent 6-month period.
Expertise
Rothbury Insurance Brokers
Fidelity and fraud insurance specialists for local businesses
One of the largest independent brokers in the country
Rothbury is one of the largest independently-owned insurance brokers in the country, with specialist expertise in fidelity insurance. Their fidelity product protects businesses from employee dishonesty, fraud, embezzlement, theft of cash or inventory, and unauthorised use of corporate credit cards — whether the acts are discovered or remain undiscovered for some time.
Expertise
Unite Insurance
Fidelity insurance for SMEs — straightforward cover, expert advice
Specialist SME broker — straightforward access to fidelity cover
Unite Insurance is a trusted brokerage specialising in commercial insurance for SMEs. Their fidelity insurance solutions cover employee embezzlement, theft, forgery, and other acts of dishonesty — critical protection for businesses where staff handle cash, accounts, or valuable assets on a daily basis.
Expertise
Marble Insurance
Steadfast network broker — tailored business cover including fraud and crime
Part of Australasia's largest broker network — Steadfast
Marble Insurance is a full-service brokerage and proud member of the Steadfast network — Australasia's largest broker group — giving clients access to over 160 insurance products and services. Their business insurance specialists assess your specific risks and tailor a package that can include commercial crime, fidelity, cyber liability, and management liability cover. Marble works for you, not the insurer, with an obligation to act in your best interests.
Expertise
Featured Insurers
Insurers with dedicated fraud and crime products for local businesses.
Chubb NZ
FraudProtector — purpose-built commercial crime policy
Only standalone FraudProtector product on the market
Chubb's FraudProtector is a dedicated commercial crime insurance product covering direct financial loss from employee dishonesty, theft of securities or property, forgery, counterfeiting, and computer crime. An optional extension covers third-party client asset loss. Chubb also offers a separate Electronic & Computer Crime policy for advanced cyber-enabled fraud threats.
Products
Cover includes
DUAL NZ
Cyber + social engineering fraud — instant online quote
Instant online quotes via WebRater for 500+ occupations
DUAL NZ provides cyber insurance covering third-party claims, business interruption, first-party incident response, and a social engineering fraud endorsement (up to $250,000 sublimit). Updated policy wording from January 2024. Primary limits to $5m; excess layers to $10m. Available for 500+ occupations via the WebRater instant quote platform — no broker required for many SME segments.
Products
Cover includes
NZI
Cyber Base and Cyber Ultra — scalable cover for every business size
Part of IAG — biggest general insurer in Australasia
NZI offers two tiered cyber products: Cyber Base for essential coverage and Cyber Ultra for comprehensive protection. Both cover data breach, ransomware, cyber fraud, and business interruption. Cyber Ultra adds enhanced third-party liability, regulatory defence costs, and media liability. Distributed through the Vero/IAG broker network.
Products
Cover includes
Delta Insurance NZ
100% NZ-owned specialist insurer — cyber liability to $10m
Delta Insurance is a 100% locally-owned specialist insurer founded in 2014, underwriting on behalf of Lloyd's of London capacity. Their flagship cyber liability product covers data breach response, business interruption, ransomware, social engineering fraud, and 24/7 IT security rapid response. Covers 30,000+ risks across NZ, Singapore, and Australia. Distributes exclusively through insurance brokers.
AIG NZ
CyberEdge — global expertise with local commercial crime cover
AIG's CyberEdge policy includes an optional commercial crime module covering fraudulent or dishonest acts by employees and third parties. Recent policy updates added Criminal Reward Fund, System Failure, and Electronic Data Incident extensions. Includes Breach Coach service, IT Specialist Services, and PR response support — backed by AIG's global claims expertise.
Personal Protection Resources
Banks, insurers, and free support services available to you right now.
ANZ Bank
Zero liability on unauthorised card transactions
Card Fraud · Unauthorised Transactions
ANZ provides zero liability protection on all unauthorised card transactions when you report fraud promptly. Online and mobile banking fraud protection included.
BNZ Bank
Guaranteed fraud protection on eligible accounts
Card Fraud · Internet Banking Fraud
BNZ's Online Banking Guarantee protects you against loss from unauthorised transactions on your internet banking — provided you follow their security guidelines.
ASB Bank
Secure internet and mobile banking protection
Card Fraud · Mobile Banking Fraud
ASB guarantees to reimburse losses from unauthorised transactions through ASB FastNet Classic or ASB Mobile, subject to their security conditions.
Westpac NZ
Digital fraud protection across all channels
Card Fraud · Online Banking Fraud
Westpac's Online Banking Guarantee covers losses from unauthorised use of your Westpac accounts through online or mobile banking, under their terms.
Kiwibank
Kiwi-owned banking with fraud safety net
Card Fraud · Internet Banking Fraud
Kiwibank provides fraud protection guarantees on internet banking transactions, covering losses from unauthorised access where you've met their security requirements.
NZI
Personal cyber insurance add-on cover
Identity Theft · Cyber Fraud
NZI offers cyber insurance products that can include personal fraud elements. Contact NZI or a broker to discuss personal cyber cover options.
IDCARE
Free identity & cyber security support service
Identity Theft Recovery · Cyber Support
IDCARE is Australasia's national identity & cyber support service — free to use. Helps you respond, recover, and protect after identity theft or online fraud.
Get Business Insurance Through Our Network
Submit a quote request and we'll connect you with the most suitable provider for your needs.
Get a Free Quote →Referral & Listing Disclosure
Our service is free to use. We may receive a referral fee from insurers or brokers when a policy is taken out or an enquiry is made through our referral. This does not increase the cost of insurance to you — brokers and insurers are separately remunerated by commission from the insurer, which is standard practice in the New Zealand insurance industry and is disclosed by advisers as required under their licensing obligations.
Provider information is sourced from publicly available materials and was accurate at the time of publication, but may change. Always verify current policy terms, limits, and pricing directly with the provider or your licensed insurance adviser before purchasing. FraudInsurance.co.nz is a referral service — it is not an insurer, broker, or financial adviser, and does not hold a Financial Advice Provider licence. Financial advice is provided by Cover4You.