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Report

New Zealand Insurance Market Update

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09/02/2026

Knowing the state of the insurance market allows organisations to plan more confidently. 

The New Zealand insurance market continues to react in response to global losses, macroeconomic developments, geopolitical tension, climate risk, regulatory change and insurer capital flows. Understanding these factors allows organisations to plan more confidently.

Gain expert insights to:

  • Get a clear, independent view of current market conditions and what they mean in practice
  • Understand key trends, emerging challenges and areas of opportunity
  • Identify risks that can affect business strategy, people, operations and revenue
  • Anticipate potential changes at renewal, engage more effectively with insurers and make insurance decisions with greater confidence
  • Build resilience into business models.

Report

Staying informed about the market is key to achieving optimal outcomes.

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FAQs

The update takes the form of timely reports and videos from Marsh, offering expert insight into the outlook, coverage trends, insurer appetite, and market influences across many types of insurance.  These insights might be on property, liability, professional indemnity, cyber, directors’ liability, health, life, or specialist insurance.  

Insurance outcomes are increasingly influenced by key market drivers, not just individual risk profiles. Changes in insurer appetite, pricing requirements and underwriting practices can occur quickly and may affect the structure, coverage terms and overall cost of insurance, which could impact your business. This update can inform you on those issues and help you prepare for potential change.

Having a clear view of the insurance market can help your organisation plan with confidence. For example, you may be able to get insight into potential market shifts, so you can anticipate policy renewal changes and plan proactively rather than respond under time pressure. Understanding your insurers’ appetite and pressures could help you submit stronger proposals.

The update covers current pricing and capacity trends across major types of insurance, as well as how insurer appetite and underwriting expectations are evolving in New Zealand.

It also covers topics such as economic pressures, significant weather events, or claims experience and loss trends that are impacting insurer behavior, pricing and policy terms.

The New Zealand Insurance Market Update Report provides valuable insights to help organisations stay informed with the state of the insurance market. Download the full report for in depth information or read the one-page summary article for a broad overview.

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