Our TOP PAK™ all-in-one insurance policy is specifically designed for transport operators with fleets of 20 vehicles or less.


  • Bundled policy with a single competitive premium
  • Designed to address all aspects of risk
  • Includes motor vehicle, general liability and carriers liability
  • Additional options include material damage, business interruption and personal accident cover
  • The more policy components selected, the more cost-effective the overall policy
  • Also includes coverage for transport operators’ private vehicles. 


Our Ruralpak™ insurance policy is a commercial package designed specifically for farms. By working alongside the farming community, we have been able to tailor a flexible and integrated product to suit your clients’ needs.

Cover options

  • Farm buildings and assets
  • Farm income
  • Farm assets breakdown
  • Farm liability
  • Employees liability (including fines and penalties)
  • Transit
  • Deterioration of refrigerated stock
  • Personal income protection
  • Farm vehicles and plant

Lumley BizPak

Our BIZPAK insurance policy provides tailored cover for small businesses.


  • Designed for clients who want to maximise their coverage under one competitively packaged policy
  • Nine classes of business cover combined into one very competitive package, enabling your client to select the right cover for their business, which saves time and money
  • No need for a proposal form – you provide us with the basic underwriting information and your clients complete a straightforward declaration
  • Helps you attract new clients – simply choose our base package (Material Damage/Business Interruption) and add other options to suit individual requirements

Cover options

  • Material Damage
  • Business Interruption
  • Broadform Liability
  • Employers Liability
  • Statutory Liability
  • Commercial Motor
  • Machinery Breakdown
  • Electronic Equipment
  • Cargo (in NZ)