Andrew Smith, is a local insurance broker based in Rangiora with over 40 years’ experience in the insurance industry.

His background spans broking, underwriting, and claims, giving him a well-rounded understanding of how insurance works when you need it most.
Andrew works for you—not the insurance companies. His role is to understand your business or personal situation, identify risks, and arrange insurance solutions that properly protect you.  Andrew will compare options across multiple insurers to ensure you get the right cover.

Why Use a Broker? Because this will ensure -
• Access to multiple insurers and specialist markets
• Advice tailored to your specific needs
• Claims advocacy and support when things go wrong
• Ongoing relationship and regular reviews
• Saves you time and helps avoid costly gaps in cover

How Does Andrew Get Paid?
In most cases, Andrew is paid a commission by the insurer, which is included within your premium. This means there is typically no additional cost to you for his advice and service. If a fee is ever applicable (for complex work), this will always be discussed and agreed upfront.

How Andrew Works With You: 
1. Initial discussion to understand your business and risks
2. Review of your current insurance (if applicable)
3. Market research and negotiation with insurers
4. Presentation of options in plain English
5. Ongoing service, support, and claims assistance

What You Can Expect
• Honest, straightforward advice
• A proactive approach to risk and protection
• Personal service and long-term relationship
• Support when you need it most—especially at claim time

Contact Andrew to see what he can do for you!