Provincial Insurance Brokers
Alice Lovejoy
Insurance advising
Who I help
Business owners, farmers, lifestylers and domestic people understand and manage their fire and general insurance needs
The problem I solve
I help people understand why insurance matters and how insurance can protect your assets in the event of a loss. Along with understanding how you set your sum insured values and what needs to be included so in the event of a claim you receive the full benefits of the policy
My point of difference
I like to make the process seamless and easy to understand. I do the hard work for you. I approach a number of insurers in the market to ensure you are receiving the best policy coverage along with competitive premiums. I work for you not the insurer. I keep the insurance information simple to help you understand the policy wordings
About
I specialise in fire and general insurance – covering commercial, rural, lifestyle, and domestic needs. I see insurance as a backup plan – something tailored to each person or business depending on their specific risks or priorities. As brokers, we act as both the middle person and your dedicated representative. That means no 0800 numbers, no long wait times, and no being passed around to different people every time you need help. We personally contact all our clients — big or small — and remarket your cover every year. This involves reaching out to various insurers to review current offerings, check what the market is doing, and see if there are better or more competitive options available for your needs. Unlike automated systems that put people into boxes, we can negotiate both cover and premiums, presenting a more accurate picture of your unique risk profile to insurers. This often leads to more tailored protection and better value.
Products and services
Fire and General Insurance for all. - domestic, house, contents, vehicles, jet skis, boats, trailers - lifestyle and farm, business interruption, liabilities, farm buildings, livestock, machinery, milk cover etc - businesses big or small, business interruption, liabilities and specialist liability policies', commercial plant, plant anywhere in NZ, stock, vehicles, machinery, buildings etc I can come to you and work however you prefer whether that's over the phone, email or in person. At each renewal we check the market to ensure you are fully covered and are obtaining the most competitive premium in the market. We have our own claims team who again work for you and liaise with the insurer on your behalf. To ensure at claim time you receive the full benefits of the policy
Why I am a member
To meet woman from all over NZ and to help support and grow each other's businesses and networks.