Smarter General & Commercial Insurance

WITH CARRIE

Hi, I'm Carrie Thomas. With over 15 years of experience in customer service, I bring a wealth of knowledge, empathy, and dedication to my role in fire and general insurance broking. Having worked with the Earthquake Commission following the Kaikoura earthquake, I understand the importance of resilience, clear communication, and genuine support during challenging times.

As a proud member of the LGBTQ+ community, I am passionate about creating a safe and inclusive space for all my clients. I believe that insurance should be more than just policies and paperwork, it should be a relationship built on trust, respect, and understanding.

My approach is refreshingly personal and I'm committed to making the insurance process accessible, enjoyable, and even a little fun. Whether you're seeking personal or business coverage, I'm here to guide you with care, confidence, and the occasional laugh. Please call me on 020 4057 0891.

My goal? To be more than just your advisor but to be your trusted partner in the industry, someone who sees you and hears you, and values who you are.

I'm your insurance ally.

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MY MISSION

My commitment to you

Whether you're protecting your home, your business, or both, my mission is to provide reliable, personalised insurance solutions that give you confidence and peace of mind.

I am committed to:

Understanding your needs – Taking the time to listen and tailor cover that fits your lifestyle or business operations.
Simplifying insurance – Making it easy to understand your options and feel confident in your decisions.
Being there when it matters – Offering responsive, caring support through every step, especially when the unexpected happens.
Staying informed – Keeping up with industry changes to ensure your cover remains relevant and effective.

Your protection is my priority. I'm here to help you feel secure, supported, and informed every step of the way.

Phone 020 4057 0891 or email carrie@smartac.co.nz

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I offer insurance solutions for

DOMESTIC INSURANCE:

Home & Contents Insurance

Protect your home and everything in it from fire, theft, natural disasters, and more.
Tailored to give you peace of mind where it matters most.

Vehicle Insurance

Whether it’s your car, ute, or SUV, we’ve got you covered for accidents, theft, and third-party damage. Choose from basic or comprehensive cover to suit your needs

Classic Car Insurance

Have a classic or vintage vehicle? This specialist cover recognises its unique value and limited use—plus options for restoration.

Boat, Motorbike & Caravan Insurance

Have a classic or vintage vehicle? This specialist cover recognises its unique value and limited use—plus options for restoration.

Landlord Protection Insurance

Renting out your property? This cover protects against tenant-related risks such as accidental damage, loss of rent, and legal liability.

Travel Insurance

Planning a holiday or quick getaway? Get covered for unexpected events like medical emergencies, cancellations, lost luggage, and delays—so you can relax and enjoy the trip.

COMMERCIAL INSURANCE:

Material Damage Insurance

Protect your commercial property—buildings, equipment, and stock—from risks like fire, theft, and natural disasters. If something happens, we’ll help you recover quickly.

Business Interruption Insurance

If the unexpected halts your operations, this cover helps with lost income and essential expenses while you get back on track.

Commercial Vehicle Insurance

Whether it’s a single work van or an entire fleet, we’ll cover your vehicles for accidents, theft, and damage to third-party property.

Business Travel Insurance

Travelling for work? Stay covered for medical emergencies, cancelled meetings, lost gear, and delays—so you can stay focused on business.

LIABILITY INSURANCE:

Public Liability

If someone is injured or their property is damaged because of your business activities, this cover helps with legal costs and compensation.

Statutory Liability

If your business unintentionally breaches NZ laws—like health & safety or environmental regulations—this cover helps with legal defence costs.
Note: Fines and infringement fees are no longer covered.

Professional Indemnity

If your business provides advice or services, this protects you from claims of negligence, mistakes, or omissions—including legal defence costs.

Directors & Officers Insurance

Protects company directors and officers against claims of mismanagement or breach of duty. Covers legal defence and settlement costs.

Cyber Liability Cover

Protect your business from cyber threats like hacking, data breaches, and online fraud. Includes cover for data recovery, legal costs, and notification expenses.

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Clients I've helped make smarter insurance decisions

"Thanks so much for your help and thank you for being so efficient.

You're a star."

HOGAN CONTRACTING

Time to take care of that general or commercial insurance?

No matter if you're local to the Bay of Plenty or located elsewhere in New Zealand, I'm here to help. Get started by filling out our enquiry form, or simply call me directly at 020 4057 0891 for an easy, no-obligation conversation.

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