Disclaimer

Last updated: April 2026

General Information Only

The information provided on SmallBusinessInsurance.co.nz is for general informational purposes only and does not constitute personalised financial advice. While we make reasonable efforts to ensure the accuracy of the information, we do not guarantee that it is complete, current, or suitable for your specific circumstances.

Insurance products, premiums, terms, and availability may change at any time without notice. Always confirm details directly with the insurance provider before making any decisions.

About Evolve Group Limited

This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register.

Personalised financial advice is provided by Evolve Group Limited's licensed advisers, who are regulated under the Financial Markets Conduct Act 2013. When you submit an enquiry, you will be contacted by Evolve Group Limited who will provide advice tailored to your circumstances.

No Guarantee of Quotes or Coverage

Submitting a quote request does not guarantee that you will receive a quote, that coverage will be offered, or that specific terms or pricing will be available. All insurance products are subject to the relevant insurer's underwriting criteria, terms, and conditions.

We do not guarantee savings, coverage levels, or specific outcomes from using our service.

Third-Party Content and Links

This website may contain links to third-party websites or references to third-party products and services. We are not responsible for the content, accuracy, or availability of third-party sites, nor do we endorse any third-party products or services unless explicitly stated.

Commission Disclosure

Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you:

• Business insurance commission: 0% to 25% of the annual premium
• Personal risk insurance commission: 0% to 220% of the first year's premium (life, trauma, income protection)
• Servicing commission: 0% to 30% ongoing

Evolve does not receive any volume or sales target-based payments from any provider. Full commission details will be disclosed before you proceed with any product.

Limitation of Liability

To the fullest extent permitted by New Zealand law, SmallBusinessInsurance.co.nz and Evolve Group Limited accept no liability for any loss, damage, cost, or expense arising from or in connection with the use of this website or reliance on its content. This includes, without limitation, direct, indirect, incidental, consequential, or punitive damages.

Complaints and Disputes

If you have a complaint, please contact us first. If we cannot resolve it to your satisfaction, you can contact our dispute resolution scheme:

Contact

If you have any questions about this disclaimer, contact:

Site operated by Evolve Group Limited (FSP711891).