General insurance · with Baron Insurance
Business, commercial and domestic insurance, through Baron Insurance.
Baron Insurance is an independent broker. It works out the cover businesses and families need, places it with insurers it trusts, and argues your case at claim time. We introduce you, and Baron looks after your general insurance from there.
Our general insurance partner
Baron Insurance
- Independent brokers who work for you, not the insurers
- Specialists in insurance for small and medium businesses
- On your side at claim time
The introduction is free, with no obligation.
What Baron Insurance helps with
For your business
Baron's speciality: cover built around how your business works, for sole traders, tradies, professionals and growing companies.
Business packages
One policy for a small business: premises, contents, stock, business interruption and liability, put together around what you do.
Public and statutory liability
Cover if your work damages someone's property or injures them, and help with legal costs if you're prosecuted under certain laws.
Professional indemnity
For businesses that give advice or design: cover if a client says your work or advice cost them money.
Property and business interruption
Your building, equipment and stock, plus the income you lose while you recover from an insured event like a fire or flood.
Vehicles and fleets
Utes, vans and trucks, from one work vehicle to a whole fleet.
Cyber insurance
Help if you're hacked or lose customer data: getting your systems back, lost income and claims from others.
Contract works
For builders and contractors: the project you're working on, while it's under construction.
Directors and officers
Personal cover for directors and managers against claims about how the business is run.
For you and your family
Everyday cover for the things you own, set up so a claim isn't short.
House
Your home, insured for what it would really cost to rebuild.
Contents
Your belongings at home and away, with a sum insured that keeps up with what you own.
Cars and other vehicles
Cars, motorbikes and campervans, including classic and prestige vehicles.
Landlord insurance
For rental properties: the building, your chattels and loss of rent.
Lifestyle and rural
Lifestyle blocks and rural properties, including outbuildings and equipment.
Boats
Boats and other marine craft, on the water and on land.
Baron also arranges cover that falls outside the ordinary, such as trade credit, drones, specialist homes and event cover.
Why we introduce clients to Baron
Brokers who do for general insurance what we do for personal cover.
Independent
As brokers, Baron works for you rather than an insurer, and places cover with a wide range of New Zealand and overseas insurers.
Business specialists
Co-founders Steph Wyatt and Nathan Barker have built their careers in commercial broking.
In your corner at claim time
Advocacy is one of Baron's core values: when you claim, they argue your case with the insurer.
Award-winning
Nathan was named one of Insurance Business's Elite Brokers for 2025, and Steph an Elite Woman in Insurance for 2026.
How it works
One introduction, then Baron Insurance takes it from there.
- Step 1
Ask for an introduction
Send the short form on this page, or ask your Arcadia adviser.
- Step 2
We pass on your details
With your OK, we send Baron Insurance your name, contact details and what you need help with, so you don't have to explain it twice.
- Step 3
Baron Insurance takes it from there
Baron Insurance contacts you directly, gives its own advice and looks after that side from then on. We stay your adviser for personal insurance and KiwiSaver.
Request an introduction
Ask us to introduce you to Baron Insurance.
Tell us what you need help with. It takes a minute, and there's no obligation.
- We pass your details to Baron Insurance within one business day.
- Baron Insurance contacts you directly and gives its own advice.
- Already an Arcadia client? Your adviser can make the introduction too.
Questions
Introductions, answered plainly.
Does Arcadia arrange house, car or business insurance?
No. We give advice on personal insurance, like life, trauma, income and mortgage protection and health insurance, and on KiwiSaver. For general insurance, we introduce you to Baron Insurance, who give their own advice.
Do I need to be an Arcadia client?
No. Anyone can ask for an introduction, and there's no obligation to go ahead with Baron Insurance.
Who is responsible for the advice?
Baron Insurance and its advisers, under its own licence. Baron Insurance is a separate business from Arcadia and is responsible for its own insurance advice.
Does Arcadia get paid for the introduction?
Baron may pay Arcadia a referral fee if you take out cover through them. Baron's own disclosure explains its fees and commission.
Where we come in
Insure the people, not just the things.
General insurance covers what you own and what you're liable for. It doesn't pay you if illness or injury stops you working, or look after your family if the worst happens. That's what we do, alongside Baron.
What if I was too sick to work for a year and my pay just stopped?
Money each month to replace most of your income if illness or injury stops you working.
Income protectionWhat if I died and the mortgage, the bills and the kids were all still here?
A lump sum paid to your family if you die or are diagnosed with a terminal illness.
Life insuranceWhat if I got cancer or had a heart attack and money was the last thing I wanted to think about?
A lump sum paid on diagnosis of a serious illness such as cancer, heart attack or stroke, to spend however you need.
Trauma insuranceBaron Insurance Limited (FSP1011168) is an authorised body under the Financial Advice Provider licence held by Community Broker Network Limited (FSP1003687). It's a separate business from Arcadia Financial Services Limited, gives its own advice and is responsible for it. Arcadia doesn't give advice on general insurance. Baron Insurance may pay Arcadia a referral fee if you go ahead. Find out more at baroninsurance.co.nz.
Your things are covered. What about you?
Get your free quote for income protection, life and trauma cover. We work out what makes sense for you, then compare the insurers.