Coverage Feature Comparison
Side-by-side comparison of core policy features, financial strength ratings, and NZ market presence.
| Coverage Feature | Chubb | AIG | Zurich | Delta Insurance | QBE | Berkley Insurance |
|---|---|---|---|---|---|---|
| AM Best Rating | A++Superior | AExcellent | A+Superior | B++Good | AExcellent | A+Superior |
| Market Rating | 4.8 | 4.5 | 4.6 | 4.4 | 4.3 | 4.2 |
| Data Breach Response | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Ransomware Extortion | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Business Interruption | ✓ | ✓ | ✓ | ✓ | ✓ (waiting period) | ✓ |
| Social Engineering / BEC | ✓ | ✓ | ✓ (optional) | ✓ | ✓ (optional) | ✓ |
| Third-Party Liability | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Regulatory Defence | ✓ | ✓ | ✓ | ✓ | ✓ (sub-limit) | ✓ |
| Crisis Management / PR | ✓ | ✓ | ✓ | ✓ (limited) | ✓ | ✓ |
| 24/7 Incident Hotline | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| NZ-Based Claims | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| Tech E&O Combined | ✓ | ✓ (optional) | — | — | ✓ | ✓ |
| Claims Handling Score | 4.9 | 4.6 | 4.7 | 4.5 | 4.4 | 4.3 |
| NZ Presence | Local NZ team | Local NZ team | Local NZ team | NZ-founded | Local NZ team | Regional office |
* AM Best ratings current as of 2025. Market and claims ratings reflect broker assessments based on policy wordings, claims experience and NZ market feedback. This table shows general product capabilities — actual policy terms, limits and premiums vary. Confirm with your broker before purchasing.
Important: This comparison provides a general overview of insurer strengths and is not a substitute for personalised broker advice. Policy wordings, limits, sub-limits and premiums vary significantly. Our brokers will compare actual policy terms for your specific business — get a quote to see tailored options.
Insurer Profiles
Chubb
Enterprise & Complex Risks
Market Rating
Claims Score
Coverage Highlights
- ✓Comprehensive first & third-party cover
- ✓Global incident response team
- ✓24/7 breach hotline
- ✓Regulatory defence included
Best For
Large enterprises and complex risk profiles
AIG
Cyber Liability & Forensics
Market Rating
Claims Score
Coverage Highlights
- ✓CyberEdge policy — market-leading cover
- ✓Forensic IT investigation costs
- ✓Social engineering fraud cover
- ✓Crisis communications support
Best For
Mid-market businesses needing robust liability cover
Zurich
SME & Mid-Market
Market Rating
Claims Score
Coverage Highlights
- ✓Ransomware extortion cover
- ✓Business interruption
- ✓Data restoration costs
- ✓Third-party liability
Best For
Small to medium NZ businesses
Delta Insurance
NZ Cyber Specialist
Market Rating
Claims Score
Coverage Highlights
- ✓NZ-based specialist cyber insurer
- ✓Tailored SMB policies
- ✓Rapid claims response
- ✓CERT NZ aligned processes
Best For
NZ businesses wanting local specialist expertise
QBE
Trade & Professional Services
Market Rating
Claims Score
Coverage Highlights
- ✓Competitive premiums
- ✓Combined cyber + PI options
- ✓Multimedia liability
- ✓Network security liability
Best For
Professional services and trade businesses
Berkley Insurance
Technology & Professional
Market Rating
Claims Score
Coverage Highlights
- ✓Technology E&O combined cover
- ✓Cyber extortion & ransomware
- ✓Data recovery costs
- ✓Reputational harm cover
Best For
Technology companies and professional service firms
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