{
  "schema_version": "1.0",
  "profile_url": "https://bodycorpinsurance.co.nz/insurers/delta-body-corporate/",
  "markdown_url": "https://bodycorpinsurance.co.nz/insurers/delta-body-corporate/markdown.md",
  "last_reviewed": "2026-06-03",
  "insurer": {
    "brand": "Delta Insurance",
    "slug": "delta-body-corporate",
    "legal_entity": "Delta Insurance New Zealand Limited",
    "parent_group": null,
    "established_nz": 2013,
    "website": "https://www.deltainsurance.co.nz",
    "logo_domain": "deltainsurance.co.nz"
  },
  "regulator": {
    "authority": "Reserve Bank of New Zealand",
    "legislation": "Insurance (Prudential Supervision) Act 2010",
    "industry_body": "Insurance Council of New Zealand (ICNZ)"
  },
  "fcib_panel": {
    "site_operator": "First Commercial Insurance Brokers Ltd",
    "fsp_number": "FSP748591",
    "status": "active",
    "statement": "FCIB holds an active Delta Insurance agency. Delta is quoted on the liability sections of body-corp packages where enhanced statutory / office-bearers cover is appropriate, and on property where the wider risk suits Delta's appetite."
  },
  "positioning": {
    "one_liner": "New Zealand-owned specialist underwriter; financial-lines focus with selective participation in commercial-strata risks.",
    "narrative": "**Delta Insurance New Zealand Limited** is a New Zealand-owned specialist underwriting agency established in 2013. Delta is publicly known as a specialist in financial lines (Directors & Officers, Professional Indemnity, Cyber, Statutory Liability, Crime) and selective commercial-property and casualty classes. Capacity is provided by international insurers — including, at various times, Lloyd's syndicates and other international carriers — through Delta's underwriting agency.\n\nFor body corporate insurance, Delta is most relevant on the **statutory liability and office bearers' liability** layers of a body-corp package — the cover that protects the body corporate committee from personal exposure under NZ statutes (Health and Safety at Work Act 2015, Resource Management Act 1991, Unit Titles Act 2010, Building Act 2004). Delta is also active on selective property risks where the wider package suits the carrier.\n\nFor a NZ body corporate committee, Delta typically appears on the quote either as the sole carrier for the liability sections or as a specialist co-quote where the committee wants enhanced office bearers' / statutory liability cover. Delta distributes through brokers in NZ."
  },
  "appetite": [
    "Statutory liability and office bearers' liability for body corporates",
    "Specialist financial-lines cover (D&O, PI, Cyber, Crime) for body-corp entities",
    "Selective commercial-strata property participation",
    "Risks where enhanced liability limits are valuable"
  ],
  "credentials": [
    "New Zealand-owned specialist underwriting agency established 2013",
    "Capacity provided by international insurers through the Delta agency",
    "Specialist focus on financial-lines covers relevant to body corporates"
  ],
  "wording": {
    "status": "pending",
    "note": "Delta Body Corporate / Statutory Liability wording PDF not yet ingested."
  },
  "references": [
    {
      "label": "Delta Insurance",
      "url": "https://www.deltainsurance.co.nz"
    }
  ],
  "citation": {
    "licence": "CC BY 4.0",
    "attribute_to": "bodycorpinsurance.co.nz"
  }
}