Helping you succeed in life's financial journey

Risk Management

Professional Insurance Advice

Risk is something we all live with every day. Managing that risk and insuring your most valuable assets, including yourself, means you’ll have peace of mind knowing you can provide for your family if the going gets tough.

There are several ways to manage risk in your life including insurance to protect your possessions, business, health and income. With a personal adviser you'll have access to the best possible cover for your situation, from someone who has taken the time to learn what you value most.

Our advisers have specialist knowledge in the following types of insurance:

  • Life Insurance
  • Domestic Insurance (including Car, Home, Contents, Travel Insurance, Boat & Trailer Insurance - you name it!)
  • Commercial Business Insurance (including rural)
  • Business Risk Insurance & ACC Structuring
  • Rural Protection Plans
  • Health Insurance, Trauma, Income Protection and other personal insurances to protect you and your loved ones

Get started - enquire now!

‘The time to repair the roof is when the sun is shining’

We’re all very used to insuring the tangible things in our lives. We work hard to protect our cars, home and possessions. But what about the things you can’t see or touch, such as your salary or ability to earn money?

Life is tough and anything can happen, and you need to be prepared. However, very few of us do anything to protect ourselves. How you and your family carry on after an adverse event or accident is dependent on how you are insured.

Why work with an Insurance Adviser?

The tricky thing about insurance is that it can be difficult to change once it’s set up, so it’s important to work with a team who really understands your needs. Our qualified Advisers will help you identify what level of risk you are comfortable with and help you decide which insurance packages will work best for you, your priorities and your budget. Our trained team have the experience to best understand how to get the right solution for you and your family.

Non-aligned insurance advice

Because we are non-aligned and not tied to any one insurance company, we have access to the best risk management options from leading insurance providers both here in New Zealand and around the globe. That means you’ll get sound financial advice and the best package at the right price, with the right benefits.

Together we’ll find the best insurance to protect what’s important to you and your future, so your roof is ready if the rain is ever to come.

Our fees

We are remunerated (paid) by the insurance provider, so in most cases our Insurance Advisory service comes at no cost to you. After our no-obligation initial consultation with you we will provide you with a quotation for your insurance requirements. A disclosure statement is available, on request and free of charge.

To ensure your specific needs are considered and met, it's best for us to discuss these with you personally.

Talk to our advisers today

Jeremy Cole, Authorised Financial Adviser

Roseann McConnel, Senior Personal & Business Risk Specialist

Anthony Floyd, Insurance Adviser (Life Insurances)

Sue Daulby, Insurance Adviser (Life Insurances)

Ian Fraser, Insurance Adviser (Life Insurances)

Bonnie Timu, Adviser (Commercial Insurances)

Bonnie Rowe, Insurance Admin Officer (Domestic Insurances)

Lifesaver risk management insurance advice broker Hawkes Bay Hastings Napier

Why work with us?

We are advice driven, not product driven, and because we are non-aligned, we have a multitude of options for consideration that may be right for you. We're here to work for you.

What does that mean for you?

You get to choose the option that fits your goals best. It also means that, in the undesired situation where you do need to make a claim, we are here to help you through what can be a very traumatic time, giving you space and time to focus on the things that matter most. 


“Due to your efficiency and prompt dealings with the appropriate companies, I was able to undergo immediate surgery. Recovery was even speedier thanks to the health and trauma cover I had in place with Cole Murray.

The Trauma pay-out enabled our business to continue without my input and we were able to afford temporary staff while I fully recovered from my cancer ordeal.”


 A member insurance broker of Insurance AdviserNet - Advice you can trust

Cole Murray's affiliation with Insurance Advisernet puts us in a network of more than 180 independent advisers across New Zealand and Australia. This brings you the unrivalled value of a national buying group, with access to the ideal insurance solutions every time.

Insurance Advisernet Platinum Practice Award to Cole Murray Hawkes Bay

- Awarded 2018

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