Helping you succeed in life's financial journey

Risk Management

Professional Insurance Advice

Risk is something we all live with every day. Managing that risk and insuring your most valuable assets, including yourself, means you’ll have peace of mind knowing you can provide for your family if the going gets tough.

There are several ways to manage risk in your life including insurance to protect your possessions, business, health and income. With a personal adviser you'll have access to the best possible cover for your situation, from someone who has taken the time to learn what you value most.

Our advisers have specialist knowledge in the following types of insurance:

  • Life Insurance
  • Domestic Insurance (including Car, Home, Contents, Travel Insurance, Boat & Trailer Insurance - you name it!)
  • Commercial Business Insurance (including rural)
  • Business Risk Insurance & ACC Structuring
  • Rural Protection Plans
  • Health Insurance, Trauma, Income Protection and other personal insurances to protect you and your loved ones

Get started - enquire now!

‘The time to repair the roof is when the sun is shining’

We’re all very used to insuring the tangible things in our lives. We work hard to protect our cars, home and possessions. But what about the things you can’t see or touch, such as your salary or ability to earn money?

Life is tough and anything can happen, and you need to be prepared. However, very few of us do anything to protect ourselves. How you and your family carry on after an adverse event or accident is dependent on how you are insured.

Why work with an Insurance Adviser?

The tricky thing about insurance is that it can be difficult to change once it’s set up, so it’s important to work with a team who really understands your needs. Our qualified Advisers will help you identify what level of risk you are comfortable with and help you decide which insurance packages will work best for you, your priorities and your budget. Our trained team have the experience to best understand how to get the right solution for you and your family.

Non-aligned insurance advice

Because we are non-aligned and not tied to any one insurance company, we have access to the best risk management options from leading insurance providers both here in New Zealand and around the globe. That means you’ll get sound financial advice and the best package at the right price, with the right benefits.

Together we’ll find the best insurance to protect what’s important to you and your future, so your roof is ready if the rain is ever to come.

Our fees

We are remunerated (paid) by the insurance provider, so in most cases our Insurance Advisory service comes at no cost to you. After our no-obligation initial consultation with you we will provide you with a quotation for your insurance requirements. A disclosure statement is available, on request and free of charge.

To ensure your specific needs are considered and met, it's best for us to discuss these with you personally.

Talk to our advisers today

Jeremy Cole, Authorised Financial Adviser

Roseann McConnel, Senior Personal & Business Risk Specialist

Sue Daulby, Insurance Adviser (Life Insurances)

Ian Fraser, Insurance Adviser (Life Insurances)

Anthony Floyd, Insurance Adviser (Business & Domestic General Insurances)

Bonnie Rowe, Insurance Admin Officer (Domestic General Insurances)

Lifesaver risk management insurance advice broker Hawkes Bay Hastings Napier

Why work with us?

We are advice driven, not product driven, and because we are non-aligned, we have a multitude of options for consideration that may be right for you. We're here to work for you.

What does that mean for you?

You get to choose the option that fits your goals best. It also means that, in the undesired situation where you do need to make a claim, we are here to help you through what can be a very traumatic time, giving you space and time to focus on the things that matter most. 


 A member insurance broker of Insurance AdviserNet - Advice you can trust

Cole Murray's affiliation with Insurance Advisernet puts us in a network of more than 180 independent advisers across New Zealand and Australia. This brings you the unrivalled value of a national buying group, with access to the ideal insurance solutions every time.

Insurance Advisernet Platinum Practice Award to Cole Murray Hawkes Bay

- Awarded 2018

Accessing quality relationships

Partners Life
Fidelity Life
Asteron Life
Southern Cross
Rosser Underwriting
Star Insurance Specialists
Accuro Health Insurance
AIA Insurance

"I have recently taken out Life and Progressive Care insurance with Cole Murray, switching from another provider for a better deal. The service I received from Roseann McConnel was fantastic, she was able to answer all of my questions with a thorough knowledge of insurance products and provide me with different options to meet my needs. I'm very happy with the Insurance and service, I got exactly what I wanted at a great price giving me peace of mind. I would be happy to recommend Cole Murray and Roseann McConnel to anyone."

- Sasha

"I would like to express my sincere gratitude to Sue for her smart thinking, and quick attention to details that saw this come to an exceptional outcome for me and my wife. Sue’s knowledge of the policy terms and conditions meant the difference of the outcome we achieved. Her manner in which she has dealt with us over the years is second to none. We can’t thank her enough, as the position I found myself in was truly life changing, and her ability has given us some peace of mind for whatever time I have left." (abridged - read the full story here)

- Ian

"Highly recommend Ian Fraser, he worked very hard to get us a great deal with buying our house, life insurance that suited us and the kids for the future at a great price. He also sorted my KiwiSaver out to get the most return.
I still get follow up emails / phone calls to make sure everything is fine and we're not forgotten (always works for the people's interest not his)."

- Alyssa

"Roseann was nothing but an absolute pleasure to deal with. We have been using Roseann’s services for the last three years. Completely professional and very competent in her work. She takes the stress out of having to do your insurance, makes it easy to understand and gets back to you on the day. Absolutely recommend Roseann for all Life insurance requirements."

- Deanne and Maurice

"Good financial adviser, strait shooter, would and do recommend Jeremy Cole and the whole (Cole Murray) firm. Great people. Cheers."

- Chris

"As a person who is new to business and finance, it was a blessing to be steered toward Roseann. I am a new sole trader and was needing information regarding insurance. After seeking support elsewhere, I felt very overwhelmed. However, my accountant suggested I ring Roseann and within the first few minutes of meeting with her I realised this was the best person to work with me. Roseann doesn't rush when speaking with you. She ensures I leave feeling well-informed and able to move on with my business. I take great pleasure in recommending Roseann - she is honest, friendly and trustworthy."

- Beth

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