Risk appetite guide
A quick guide to our underwriting appetite in New Zealand, by industry and product. Use it to check fit before you submit, and if you’re unsure about a risk, talk to our underwriters – there may be a way to make it work.
New Zealand · Last updated October 2026
- Preferred
- Actively seeking this business
- Consider
- Assessed case by case – call us first
- Not in scope
- Outside current appetite
- N/A
- Product not applicable to this industry
| Industry | Property | Casualty | Management Liability | PI & Tech Liability | Cyber |
|---|---|---|---|---|---|
| Accommodation & hospitality | Preferred | Preferred | Preferred | N/A | Preferred |
| Accountancy & bookkeeping | Preferred | Preferred | Preferred | Preferred | Preferred |
| Agriculture | Consider | Consider | Preferred | Consider | Preferred |
| Architects & engineers | Preferred | Preferred | Preferred | Preferred | Preferred |
| Associations & not-for-profits | Consider | Preferred | Preferred | Preferred | Preferred |
| Automotive & transport | Preferred | Preferred | Preferred | N/A | Preferred |
| Construction | Consider | Preferred | Preferred | Consider | Preferred |
| Environmental consultants | Preferred | Preferred | Preferred | Preferred | Preferred |
| Environmental contractors | Consider | Preferred | Preferred | Consider | Preferred |
| Financial institutions (excl. finance companies) | Preferred | Consider | Consider | Consider | Preferred |
| Financial services | Preferred | Consider | Consider | Consider | Preferred |
| Food & beverage manufacturing | Consider | Preferred | Preferred | N/A | Preferred |
| General engineering & fabrication | Consider | Preferred | Preferred | N/A | Preferred |
| Government authorities | Consider | Consider | Consider | Consider | Preferred |
| Import & wholesale | Preferred | Preferred | Preferred | N/A | Preferred |
| ISPs & telecommunications | Consider | Preferred | Preferred | Preferred | Preferred |
| IT | Preferred | Preferred | Preferred | Preferred | Preferred |
| Lawyers | Preferred | Consider | Not in scope | Consider | Preferred |
| Management consultants | Preferred | Preferred | Preferred | Preferred | Preferred |
| Manufacturing (excl. aviation, high-hazard & pharma) | Consider | Preferred | Preferred | N/A | Preferred |
| Media & printing | Consider | Preferred | Preferred | Preferred | Preferred |
| Medical sector | Preferred | Preferred | Preferred | Preferred | Preferred |
| Mining (excl. underground & coal) | Not in scope | Consider | Consider | N/A | Preferred |
| Nutraceuticals & supplements manufacturing | Consider | Consider | Preferred | N/A | Preferred |
| Oil & gas / non-renewable energy | Not in scope | Not in scope | Consider | Consider | Consider |
| Professional services, consultants & office risks | Preferred | Preferred | Preferred | Preferred | Preferred |
| Real estate | Preferred | Preferred | Not in scope | Not in scope | Preferred |
| Renewable energy infrastructure & construction | Not in scope | Consider | Consider | Consider | Preferred |
| Retail | Preferred | Preferred | Preferred | N/A | Preferred |
| Surveyors | Preferred | Preferred | Preferred | Consider | Preferred |
| Trades & construction | Consider | Preferred | Preferred | Consider | Preferred |
| Utility | Not in scope | Consider | Consider | N/A | Preferred |
| Waste management, refuse & landfill | Not in scope | Preferred | Preferred | N/A | Preferred |
| Wholesale | Preferred | Preferred | Preferred | N/A | Preferred |
Specialty lines
Environmental liability
We can consider all environmental risks except offshore exploration and underground mining.
UAV operators
All commercial-use drone operations are considered.
Product recall
Food and beverage, nutraceutical and pharmaceutical , and topical ingredient manufacturers.
Not sure if a risk fits?
Our underwriters are happy to talk it through before you submit.
This guide is a high-level summary of Delta Insurance New Zealand’s underwriting appetite and is intended for insurance intermediaries only. It is not an offer of insurance. All offers of cover are subject to full underwriting information being received and being acceptable within Delta’s underwriting guidelines for each product. Appetite may change without notice, and individual risks within a preferred industry may still be declined based on their activities, claims history or other risk characteristics. Cover is subject to the terms, conditions and exclusions of the relevant policy wording.
