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.

5 insurers listed
4 specialist brokers
Personal resources
Expert Placement

Specialist Brokers

Brokers with specific expertise in fidelity, commercial crime, and cyber insurance for businesses.

Broker

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

Cyber SecurityBusiness InterruptionPR ResponseLegal FeesScam & PhishingRegulatory Liability
Broker

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

Employee DishonestyFidelity GuaranteeEmbezzlementCash TheftInventory TheftCredit Card Fraud
Broker

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

EmbezzlementEmployee TheftForgeryDishonestyAsset Misappropriation
Broker

Marble Insurance

Featured

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

Commercial CrimeEmployee DishonestyCyber LiabilityBusiness InterruptionManagement Liability
Access method key:Via broker only — must go through a licensed brokerBroker recommended — can access direct but broker advisedDirect & broker — available direct or via broker
Business Cover

Featured Insurers

Insurers with dedicated fraud and crime products for local businesses.

Insurer

Chubb NZ

Via broker only

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

FraudProtectorElectronic & Computer Crime Insurance

Cover includes

Employee DishonestyForgery & AlterationComputer FraudCounterfeit CurrencyClient Asset LossSecurities Theft
Insurer

DUAL NZ

Direct & broker

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

Cyber InsuranceSocial Engineering Fraud Endorsement

Cover includes

Social Engineering FraudData BreachBusiness InterruptionNetwork ExtortionThird-Party Cyber Liability
Insurer

NZI

Via broker only

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

Cyber BaseCyber Ultra

Cover includes

Data BreachRansomwareCyber FraudBusiness InterruptionRegulatory DefenceThird-Party Liability
Insurer

Delta Insurance NZ

Via broker only

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.

Data Breach ResponseBusiness InterruptionRansomwareSocial EngineeringIT Security ResponseThird-Party Liability
Insurer

AIG NZ

Via broker only

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.

Employee FraudThird-Party FraudData BreachBusiness InterruptionRansomwarePR Response
For Individuals

Personal Protection Resources

Banks, insurers, and free support services available to you right now.

Personal fraud guides →
Bank

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.

Card FraudUnauthorised TransactionsOnline Banking Fraud
Bank

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.

Card FraudInternet Banking FraudUnauthorised Transactions
Bank

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.

Card FraudMobile Banking FraudFastNet Fraud
Bank

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.

Card FraudOnline Banking FraudDigital Wallet Fraud
Bank

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.

Card FraudInternet Banking FraudAccount Takeover
Insurer

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.

Identity TheftCyber FraudOnline Scams
Support Service

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.

Identity Theft RecoveryCyber SupportFraud Response

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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.