Property and Commercial Insurance Brokers

Policies and Process Information…

We are not restricted to using any particular insurer, this allows us to compare quotes to provide you the terms best suited to your needs.

We will generally recommend insurance products from insurers we or our broker group, Steadfast, have arrangements with, as the negotiated terms are generally better. We will disclose these arrangements to you when making recommendations.

Limitations and risks

Insurance cover recommendations will be based on the information you provide and there will be a risk of lack of cover should the information you provide not be accurate.

While our recommendations will be made for your requirements, insurance products can have a number of exclusions that you should be aware of and you must read the policies carefully.

Copies of Insurer Policy documents are available on request.

What we don’t advise on

We do not provide advice on medical or life insurance, or any other Financial Advice. We can refer you when you require advice on these products.


We don’t charge fees to you for our advice. As a general rule, the brokerage/commission we receive is a percentage of the insurers’ base and earthquake premium and ranges from 10% to 25%. We may charge you an administration fee to enable us to deliver and maintain a high standard of service.

We will provide details of these commissions and administration fees when we make recommendations to you.

Premiums paid by instalment through Manawatu Premium Funding will incur a $30 annual administration fee plus a rate of interest of 10% per annum.

About our services

We provide advice to our clients on general insurance products, we help our clients protect their assets to minimise the financial impact to their lives and businesses when things go wrong.

We advise on both domestic and commercial products, across various industries as well as risk management practices within your business operations.


Recommendations based on your circumstances and needs

We will complete a needs analysis with you to understand your personal and/or business circumstances and make recommendations to provide you adequate cover. Each year we will discuss changes and reassess your insurance cover and advise you of any changes. We will guide you through the below advice process.

Ongoing advice as your circumstances change

Your insurance protection should be reviewed as things change. It is important that you notify us of changes to ensure the cover still meets your needs.

We will communicate with you prior to your annual renewal to ask if you have had any changes to your circumstances that might require a review.

Every year, or earlier if your circumstances change, we will conduct a full review of your policies and notify you of any changes in a reasonable time frame.

Please take the time to download and read the following important information. If you have any questions please feel free to contact us.

Our focus is on providing personal service to our customers. This includes providing products which suit their individual needs and yet maintain affordability. We work hard to maintain relationships with our customers to ensure that their changing needs are met with a minimum of disruption to their business.

Membership of the Steadfast Insurance Group increases our profile and purchasing power with Insurance Companies whilst allowing us to retain local ownership and administration. This means our customers enjoy market leading rates and products whilst still receiving excellent service.

Our administration office is based in Feilding, however our Agents service the wider Manawatu, Horowhenua, Rangitikei, Wanganui, Hawkes Bay and Central Wairarapa Areas.


Jason Smith

Originally from Hawkes Bay and a keen Magpies supporter, Jason is a co-owner of P & C Insurance. Jason moved to the Manawatu to take up a position with a specialist rural insurance company in Palmerston North, where he worked for 12 years; his last position there was New Zealand Claims Manager. Jason made the switch to insurance broking more than a decade ago and has held board member positions with both IBANZ and Allied Insurance Group (now part of Steadfast NZ) during that time. Married to Helen, with three children who are all but grown up, and seven beautiful grandchildren, he owns a lifestyle block in Waituna West where he breeds Highland Cattle & Wiltshire sheep. Jason is an active member of the Feilding Promotion Committee and works hard to make sure Feilding keeps being a great place to live and work!

Sara Carter

Saras’ career in the insurance industry began in 1991 and she has held roles in claims, sales management and branch management for several large insurers since that time. Sara joined P & C Insurance in 2006 as the claims manager and moved into insurance broking in 2007 by purchasing Tararua Insurance Brokers. In 2009 she became a co-owner of P & C Insurance. Born and bred in the Manawatu, Sara is married to Shaun and has two children.  Sara lives on a lifestyle block and spends much of her free time involved in her childrens numerous sporting and music activities.

Sandra Taylor – Claims Manager
Kaye Clausen – Financial Advisor – Farm
Michelle Adaway – Financial Advisor – Commercial
Allannah Davidson – Financial Advisor – Domestic/Commercial
Jo Davidson – Financial Advisor – Domestic
Mindy Abbott – Office Manager

Client Resources


What To Do If You Have A Problem

If you are dissatisfied with any service or product we have provided, please contact us as soon as possible so that we can put things right. If we are unable to resolve the issue we can provide you with details about our complaints process.

You may contact our internal complaints scheme by notifying us in writing at Property & Commercial Insurance Brokers Ltd, Internal Complaints Scheme, P O Box 4, Feilding.

If we cannot agree on how to fix the issue, or if you decide not to use the internal complaints scheme, you can contact the Financial Dispute Resolution Service.  This service will cost you nothing, and will help us resolve any disagreements.

You can contact the Financial Dispute Resolution Service at P.O. Box 2272, Wellington 6140. Tel: 0508 337337


Industry Links


P & C Insurance Brokers are proud to be a part of the Steadfast Network, Australia and New Zealands largest general insurance broker network.

Financial Services Providers Register

Search the Financial Services Providers Register.

Financial Dispute Resolution Service

FDRS provides dispute resolution services to participating financial service providers (FSPs) and their clients.

Insurance Brokers Association of New Zealand

The Insurance Brokers Association of New Zealand Inc. (IBANZ) is the national professional body representing the interests of fire and general insurance brokers, risk managers and consumers in New Zealand.

Insurance Council of New Zealand

The Insurance Council is an intermediary between the insurance industry and the world in which it operates.

Property and Commercial Insurance Brokers Limited
54 Stafford Street

Tel: 0800 724 678


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