http://www.carricks.co.nz/blog/ The latest Blog feeds from www.carricks.co.nz en-us Mon, 15 Jun 2026 13:38:22 +1200 Rocketspark http://www.carricks.co.nz/blog/post/163375/farm-insurance-checklist-is-your-cover-keeping-up/ Farming businesses don’t stand still — and your insurance shouldn’t either.Over time, small changes can add up. New equipment, rising costs, changes in stock levels or staffing — all of these can affect whether your cover is still fit for purpose.This simple checklist is a good way to sense-check where things are at — and whether it might be time for a review.... Wed, 27 May 2026 00:00:00 +1200 http://www.carricks.co.nz/blog/#post163375 http://www.carricks.co.nz/blog/post/163374/farm-succession-planning-protecting-your-business-and-your-family/ For many farming families, the business isn’t just an income — it’s something that’s been built over generations, with a clear intention to pass it on.Succession planning is often thought of as something to deal with “later”, but in reality, it’s just as much about protecting the farm today as it is about the future.Because if something unexpected happens, having the right plan in place can make all the difference — for both the business and the people behind it.... Wed, 13 May 2026 00:00:00 +1200 http://www.carricks.co.nz/blog/#post163374 http://www.carricks.co.nz/blog/post/163373/protecting-farm-income-what-happens-if-you-cant-work/ In many rural businesses, a small number of people keep everything running — often family, or a tight-knit team who know the operation inside out.If one of those people is suddenly unable to work, the impact can be immediate — not just operationally, but financially.It’s not always something that gets prioritised, but protecting your ability to earn an income is one of the most important parts of any rural insurance plan.... Wed, 06 May 2026 00:00:00 +1200 http://www.carricks.co.nz/blog/#post163373 http://www.carricks.co.nz/blog/post/163372/rural-insurance-for-farmers-what-cover-do-you-actually-need/ Running a farm means managing risk every day — from unpredictable weather to machinery breakdowns and everything in between.While you can’t control every variable, you can make sure your insurance is set up to support your business when things don’t go to plan.As we move through the financial year, it’s a good time to step back and ask a simple question: Does your current cover still reflect how your farm operates today?... Fri, 01 May 2026 00:00:00 +1200 http://www.carricks.co.nz/blog/#post163372 http://www.carricks.co.nz/blog/post/163387/business-insurance-checklist-nz/ Businesses evolve over time — and your insurance should evolve with them.New equipment gets purchased, teams grow, contracts change, and risk exposure shifts.But insurance doesn’t always keep pace, which can lead to gaps that only become clear when it’s too late.This simple checklist is designed to help you sense-check whether your cover still reflects how your business operates today.... Tue, 28 Apr 2026 00:00:00 +1200 http://www.carricks.co.nz/blog/#post163387 http://www.carricks.co.nz/blog/post/163386/key-person-insurance-business-nz/ Behind every successful business is a group of people driving it forward — often a small number of individuals who play a critical role in revenue, operations, and decision-making.But what happens if one of those people is suddenly unable to work?It’s not always something that’s planned for, but the impact can be immediate — both financially and operationally.Taking a proactive approach to protecting key people and business owners can make all the difference when it matters most.... Mon, 13 Apr 2026 16:48:57 +1200 http://www.carricks.co.nz/blog/#post163386 http://www.carricks.co.nz/blog/post/163383/business-insurance-nz-review/ As we head into a new financial year, most businesses naturally turn their focus to the numbers.But it’s just as important to look behind those numbers — at the risks that could impact them.A well-structured business insurance programme helps ensure the income, assets, and people driving your success are protected if something unexpected happens.We’ve broken this down into three key areas — your people, your assets, and your overall risk exposure — each worth reviewing in more detail.... Mon, 13 Apr 2026 16:33:58 +1200 http://www.carricks.co.nz/blog/#post163383 http://www.carricks.co.nz/blog/post/161792/2026-kiwisaver-updates/ Recent global tensions have understandably caused some concern. Headlines can make market movements sound dramatic, here's what's important to know:Markets move fastBy the time news is widely reported, markets have usually already adjusted. Diversified portfolios have moved only a few percent in recent weeks, well within the normal range for balanced funds.Don't react to the noiseSwitching strategies after markets have already fallen is often too late. Your portfolio is structured with diversifi... Tue, 10 Mar 2026 17:21:30 +1300 http://www.carricks.co.nz/blog/#post161792 http://www.carricks.co.nz/blog/post/158007/2025--a-year-in-review/ As we wrap up another rewarding year, we wanted to share a quick update and a heartfelt thank you to everyone who continues to trust us with their financial well-being. Supporting More Clients, All Under One Roof One of the real highlights this year has been seeing more clients choose to streamline their insurance by keeping everything in one place.From house, car and contents cover through to business and liability insurance, and right across to life, income protection and key person solutions... Fri, 12 Dec 2025 13:06:59 +1300 http://www.carricks.co.nz/blog/#post158007 http://www.carricks.co.nz/blog/post/155635/supporting-our-community-this-christmas/ As we head into Christmas, there are so many wonderful charities and community organisations doing amazing work. While we can’t feature every organisation that we’re proud to support, we wanted to highlight a few that hold a special place in our hearts this year.... Wed, 05 Nov 2025 14:08:15 +1300 http://www.carricks.co.nz/blog/#post155635