06/03/2026
Before you let a contractor onto site, there’s one thing you should always ask for.
Not “Are you insured?”
Ask for their Certificate of Currency or Certificate or Insurance.
It’s a simple one-page document that proves their insurance is active right now.
I’ve seen contractors who genuinely thought they were covered — but their policy had lapsed.
When something went wrong, it wasn’t the contractor carrying the risk.
It was the business owner.
One quick email asking for a Certificate of Currency can save you a massive financial headache later.
I’m Cohen, your Christchurch business insurance broker. I help Christchurch business owners reduce risk before it becomes a claim.
If you want to make sure your contractors — and your business — are properly protected, call me on 027 304 1215
Or email [email protected]
Small checks now prevent big problems later.
