Established in 1978 Crombie Lockwood grew to become New Zealand’s largest independently owned insurance broker through a clear focus on client needs, client service and innovative client solutions. That growth was fuelled by a clear strategy, client faith and competitive performance. Our success caught the eye of Gallagher, a $53 billion American conglomerate, resulting in the purchase of the company in April 2014. However it is simply business as usual. The result is a highly skilled, energetic team of over 1000 with a well-rounded perspective on today’s business demands & an extension of a global network across 850 offices in 130 countries. Now known as Gallagher Insurance New Zealand, the team has the energy to push the boundaries to meet those demands. Demands like inventive product solutions; demands like cost effectiveness at every level; and above them all the demand for service. Gallagher’s people are dedicated to providing easy access information, prompt enquiry resolution and swift, equitable claims settlement. Energy, commitment and the highest technical skills guarantee the delivery of a better answer to every question.
Branch Network
Our network of 30 offices resourced by over 300 industry professionals means that we are accessible where ever you are in the country.
We describe our network advantage this way:

Locally focused, nationally resourced, internationally endorsed.




The Commercial Motor Insurance available to NZIDE Members provides the distinct advantage in its excess structure.

The additional underage excess loading imposed by standard commercial motor policies will not apply to NZIDE Members when the insured vehicle have dual controls fitted and students are accompanied by a testing officer or driving instructor aged 25 years of age and over.



Please contact: Robel Gebremichael, Broker – Commercial, Smart Business on (04) 381 8163, (027) 232 2624, or email today for a no obligation quotation.


Most Important of All – CLAIMS SERVICE

Please contact your broker to organise a claim. Gallagher are the only New Zealand broker to operate a            24/7 claims service.

Gallagher has service level agreements in place with our strategic partners to ensure that claims are                processed promptly and accurately.

Quarterly meetings occur at national and local level between Gallagher claims staff and the underwriter’s        claims managers.

In the rare instances that a claim is declined Gallagher has the size and the relationships in place to                  ensure that the claim is considered at the highest level.

Gallagher enjoys a strong relationship with loss adjusting firms and service level agreements are in place         to ensure our clients receive the highest level of service from these firms.

Gallagher claims staff are all either industry qualified (ANZIIF) or studying towards achieving this. We have        a commitment to training and developing our claims staff.

Gallagher operates a paperless claims service that is e-mail based, in most cases we are able to offer a          same day turn around on correspondence.

A full suite of claims reports are available to our customers.



We also offer a complete range of business and personal insurances including Commercial Motor,                   Business Assets, Business Interruption and Business Liability, Domestic House, Contents and Private             Motor, Life Insurance, Key Person and Income Protection.