Penberthy

31/08/2026

Your business has grown.

Has your shareholder protection kept up?

With many New Zealand businesses now finalising their 31 March year-end accounts, it's the perfect time to review your shareholder protection arrangements.

Business values change. Profits grow. Debts reduce. New opportunities emerge. The loss of a shareholder to a business is a material risk, and often one that is overlooked. The number of multi-shareholder companies we have in New Zealand is significant, and the impacts can extend well beyond the business itself, affecting shareholders, employees, and the families of business owners.

Year-end financials are a great trigger for a review and provide valuable insight into whether your cover remains aligned with your business value.

Questions to ask at your next board meeting:
▪️Has your shareholding structure changed?
▪️Has your business debt increased or decreased?
▪️Has the value of your business changed?
▪️Have there been any significant changes to your business operations, key people, or future plans?
▪️Would your current shareholder arrangements still work as intended if something happened to one of the owners tomorrow?

If your Shareholder Protection insurance hasn't been reviewed recently, there is a risk that the sums insured no longer reflect the current value of the business.

At Penberthy, we're business owners too, so we understand the importance of protecting what you've worked so hard to build. A regular review can help ensure your shareholder protection arrangements remain aligned with your business today and provide certainty for everyone involved should the unexpected occur.

If it's been a while since your last review, now is the perfect time to start the conversation.
https://penberthy.co.nz/product/key-person-insurance/

26/08/2026

Once a family, always a family!

We’re delighted to welcome Candy Esguerra back into the team as Broker Support – Fire & General, working closely once again with Commercial Broker Jennifer Ryan.

For Candy, coming back has felt a little like coming home. Having worked with us previously, she already knew Penberthy well - the people, culture and, importantly, the way we build relationships with our clients. It’s those client relationships that Candy says she’s especially happy to return to.

“I really enjoy working with our clients, understanding what they need, looking carefully at where they might be exposed, and then finding the right cover for them and their particular circumstances.”

It’s an approach that fits perfectly around here.

Candy also says “It’s how we treat our clients here that was a big drawcard to coming back. Being part of a business that genuinely feels like family and extends that same sense of care to its clients, is something I’m proud to be part of again.”

Outside Penberthy, Candy loves travelling, discovering good food, getting to the gym and spending time with her daughter. Oh and, just to keep us on our toes, having taken up running only last year, she already has a couple of half marathons under her belt and is training for her next.

We’ve always said, Candy doesn’t do things by halves – well … apart from marathons, and we’re delighted to have her smiling face back in the fold.

24/08/2026

Your commercial property is worth more than a number on a valuation report.

It may be one of several properties in your portfolio. It may house long-standing tenants, generate significant income, or play an important role in your wider investment strategy.

And over time, a lot can change and the unexpected can throw a very undesirable curve ball, jeopardising your investments.

The cost of getting a damaged property repaired, rebuilt and earning again can look very different from what it did when the policy was first arranged. And a natural disaster or tenant-related risks need to be mitigated.

That’s why commercial property insurance shouldn’t be treated as a set-and-forget exercise.

At Penberthy, we work with commercial property owners to make sure their cover reflects the true value of the asset, the income attached to it and the wider financial impact if something goes wrong. Because it’s not just a simple question of whether you’re insured. It’s whether you’re insured properly.

Our expert advice, personalised approach and relentless claims support means your investment is properly protected, so you can focus on what’s next.
https://penberthy.co.nz/product/commercial-property-owners-insurance/

19/08/2026

Not sure how we’re going to fit all the candles on the cake!

This month marks 49 years since Bruce Penberthy first opened the doors. A lot has changed since 1977. The business has grown. Our team has grown. The world of insurance and lending has certainly changed. But some things haven’t.

John, Mark and Richard still remember spending plenty of after-school hours here while Dad was busy building the business, probably without imagining that, all these years later, they’d be helping carry it forward. Today, Penberthy is a very different business from the one Bruce started 49 years ago. But at its heart are many of the same things: strong relationships, good people, family values and a genuine commitment to looking after our clients.

Perhaps that’s the real test of time. Knowing what should change, and knowing what shouldn’t.

We’re incredibly proud of where Penberthy has come from, grateful to all the clients and insurance partners who have been part of the journey, and pretty excited about where we’re heading next.

Wish us luck trying to blow out 49 candles!

16/08/2026

An engagement ring, a piece handed down through the family, a necklace bought to mark a milestone. Jewellery often carries memories and meaning that simply can’t be replaced.

But it’s not always just the emotional value that can be lost. If your jewellery hasn’t been valued in the past five years, we recommend taking another look.

Diamond values can change considerably over time, particularly with the growth of lab-grown diamonds. Gold prices keep changing. These market changes could translate into a difference of thousands of dollars, come claim time, if you haven't got the current value of your jewellery reflected in your insurance cover.

Keeping current valuations, proof of ownership and a record of regular maintenance can help make an insurance claim smoother if your jewellery is ever lost, stolen or damaged.

Because looking after the things you treasure means protecting the story as well as the sparkle.

10/08/2026

Could you replace everything you own tomorrow?

It's a question most of us don't think about ... until we have to.

Furniture. Clothing. Kitchen appliances. Electronics. Linen. Tools. Sports equipment. Kids' toys. The list goes on. When you start adding it all up, the value of your belongings is often far higher than people expect. The worry is that if your contents insurance hasn't been reviewed for a while, you could be underinsured without even realising it.

Our handy Contents Calculator takes the guesswork out of estimating what it would cost to replace your belongings, giving you greater confidence that your cover matches your needs. Take a few minutes today and take a look. It could make all the difference if the unexpected happens.

https://penberthy.co.nz/personal/contents-calculator/

05/08/2026

The best businesses know that people are their greatest asset.
But attracting and retaining great employees has never been more challenging.

Salary is only part of the equation. Increasingly, people are looking for employers who genuinely invest in their well-being and their future.
That's where Employee Benefits can make a real difference.

Group Medical Insurance, Life Insurance and Income Protection aren't simply "nice to have" perks. They demonstrate that you value your team and want to support them when life throws the unexpected their way. For employees, it can mean faster access to treatment, financial security and greater peace of mind. For you, it can lead to stronger loyalty, improved retention, reduced absenteeism and a healthier, more engaged workforce.

Magda Dabkowska works beside business owners and leaders, helping them design employee benefit programmes that don’t just tick a box, but truly add value. Because when your people know they're valued, everyone benefits and your business is stronger.

If you feel like a chat - Magda's here.
0800 736 237 I

Can we help you with staff retention and attraction? An attractive and robust employer group policy can help improve staff satisfaction and loyalty.

02/08/2026

Every business owner plans for growth.
The best business owners also plan for the unexpected.

A customer injury.
A costly mistake.
A cyber attack.
A claim you never saw coming.

Any one of them could have a significant impact on your business if you're not properly protected.

Good risk management isn't about expecting the worst. It's about making sure one unexpected event doesn't undo years of hard work.

Swipe through to learn more, and if you'd like to understand which liability covers are right for your business, we're always here to help.
https://penberthy.co.nz/product/liability-insurance/

28/07/2026

Not everyone is built for claims.

It takes patience, empathy, resilience ... and a genuine desire to help people through what can often be one of the most stressful times in their lives.

It seems Ngaire Gale is one of those amazing people.

With over a decade of experience in the insurance industry, including seven in claims, Ngaire decided it was time for a change and moved from a large corporate insurer to join our Penberthy team.

"I wanted to be part of a smaller team where you can really get to know your clients. Building those ongoing relationships helps you support them even better."

Insurance wasn't originally the plan. Ngaire began her career as a Body Corporate Secretary before discovering a passion for the insurance industry and deciding to build her career around helping people when they need it most.

“There's something incredibly rewarding about finishing each day thinking, 'I've helped all these people today. It takes a certain type of person to work in claims and that seems to be me. It ticks all my boxes.'"

Ngaire says one of her biggest impressions since joining Penberthy has been the culture.

"Everyone has been so warm, welcoming, patient and supportive. You really feel listened to and appreciated."

When she's not supporting clients, you'll often find Ngaire enjoying Zumba, line dancing, Pilates or planning her next travel adventure.

We're thrilled to welcome you to the Penberthy team, Ngaire.

23/07/2026

At Penberthy, we know that insurance is about far more than policies and paperwork. It's about having someone in your corner when life takes an unexpected turn.

When Sue Reidy faced the challenges of an extreme weather event, our team worked tirelessly to advocate on her behalf, ensuring her claim received the attention and outcome it deserved.

Hearing feedback like this means the world to us.
Thank you, Sue, for your kind words and for trusting us during such a difficult time.

It's moments like these that remind us why we do what we do. We're here to stand beside our clients, provide appropriate guidance, and advocate for the best possible outcome.