Step 1: Free Discovery ChatWe talk about your business, people, goals, and risk areas.
Business Insurance Hawke's Bay
Local, personalised insurance advice for Hawke’s Bay business owners. Simple, clear solutions that protect your people, your income, and your future, without the stress.
Protect Your Business with Tailored Insurance Advice
Running a business means managing risk every day. If something unexpected happens to you, a business partner, or a key staff member, your business still needs to pay wages, rent, suppliers, and operating costs.
We help Hawke’s Bay business owners protect cashflow, people, profitability, and long-term stability with clear, realistic insurance solutions.
Meet Lou
Your Local Insurance Adviser
With 20+ years of experience in the NZ and UK financial industries, Lou Grinstead helps people make sense of insurance and feel confident about their decisions. She’s relatable, straight-talking, and genuinely here to help you protect what matters most.
Lou started The Insurance Team to offer a fresh, human approach to insurance. Not corporate. Not salesy. Just honest advice, ongoing support, and someone who actually has your back when life gets messy.
While Lou is the face of the business, you’re supported by a small, growing team, ensuring you get personal service with the capacity to support your long-term needs as your business grows.
Why Work With The Insurance Team
Independent, Transparent Advice
We’re not tied to one insurer. We compare multiple providers to find the right fit for your business, not the most expensive option.
Support at Claim Time
If something happens, you call us, not a call centre. We guide you through the process, answer your questions, and make sure you feel supported every step of the way.
Clear, Simple Explanations
Insurance shouldn’t feel overwhelming. We explain everything without the jargon so you can make confident, informed decisions.
Tailored Cover for Your Business
Every business is different. Your insurance should be too. We build solutions around your people, risks, cashflow, and long-term goals.
Long-Term, Ongoing Support
Your business changes. Your cover should too. We keep everything reviewed and up to date so it always does the job it’s meant to do.
How the Process Works
Step 2: Compare Your OptionsWe analyse multiple insurers to find realistic, tailored cover that fits your budget.
Step 4: Setting things upOnce you’re ready, we handle the setup and guide you through each step of putting your cover in place.
Why Business Insurance Matters
One unexpected event can put pressure on your business finances quickly.
The right cover helps you:
● Keep the business running while you recover
● Protect staff and essential roles
● Maintain cashflow
● Avoid dipping into personal savings
● Reduce stress during already challenging times.
What Business Insurance Covers
Key Person Cover
Protect your revenue if someone essential to the business becomes ill or injured. Helps cover lost income, replacement hiring, and training costs.
Shareholder Protection
Ensures a smooth, financially secure transition if a business partner passes away or becomes permanently disabled. Gives remaining owners the cash to buy their shares, without impacting the business.
Business Overheads Cover
Covers critical operating expenses like rent, utilities, staff wages, and vehicles if you can’t work due to illness or injury.
ACC Review & Integration
ACC only covers accidents, not illness. We review your ACC setup to ensure you’re not overpaying on levies and help combine it with private insurance for full sickness and injury protection.
Income Protection for Business Owners
Your ability to earn is your biggest asset. Income protection provides a monthly payment so you can focus on recovery while the bills stay paid.
It's peace of mind
Lou has been absolutely fantastic to work with in getting all of our insurance sorted. For the first time, we feel fully covered with a clear understanding of exactly how our plans have been tailored to suit our needs. In the past, I’ve always had insurance but never taken the time to go through it in such a comprehensive way. Lou made the whole process easy and stress-free, breaking everything down so we knew what we were paying for - and more importantly, what we didn’t need. It's such a peace of mind knowing we’re not only properly covered but also not overpaying or doubling up on anything. We honestly couldn’t recommend Lou more highly!
- Lisa & Josh
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
Lou was extremely good at communicating policy benefits
Had an absolute amazing experience taking out business, life and trauma insurance. Lou was extremely good at communicating the benefits and why the specific policies that I had taken out ensure a safe future for myself and business moving forward. She put all concerns to rest and came up with an amazing plan, efficiently with great prices. What else can you ask for? If you are looking for a great broker, trust yourself with Lou Grinstead!
- Reid Midanik
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
Should the worst happen, I'm well protected
Lou at the Insurance Team was awesome in helping me re-assess all my insurance. professional, fun and easy to deal with. No mucking around and straight to the point. I now feel a lot better, should the worse happen, I'm well protected. Whether in Napier or New Zealand, you should use Lou at the Insurance Team to insure your health, business and income!
- Rose Olliver
What Our Clients Say
Here are a few words from our clients who trust us to look after their business, income, and families.
Making the process a breeze
Lou is so amazing at what she does! She helped us sort out our insurance and made the whole process a breeze! Definitely see The Team for your insurance needs!
- Brody Cleave
Ready to Protect Your Business?
We work with business owners across Napier, Hastings, and Havelock North, tailoring insurance to your business structure, risks, and lifestyle.
Get personalised advice from a Hawke’s Bay insurance adviser who genuinely cares about helping you stay protected.
