The TLC Story

TLC is a success story for the NZ insurance market.

TLC is a company that has developed from within NZ. Unlike other new insurers and underwriting agencies (mostly with foreign ownership) who set upon NZ shores with great intent to enter the local market with cheap rates in order to buy their market share, TLC initiated itself on a basic insurance concept addressing the needs of a specific niche in the insurance market for Contractors.

The concept was simple;
> “Insure Plant as Plant”
> “Insure Vehicles as Vehicles”

These are two completely different risks that should be insured as such.

It was also filling a need in the market after the realisation that the general insurers were unable to provide the degree of specialisation and focus that could be naturally produced by an agency devoted and committed to one particular section of the market.

The proof has been in the pudding and where other insurers have come and gone, TLC Insurance has stood the test of time. While not claiming to be the cheapest on the market, TLC believes its reason for success over the years is based on a consistent underwriting approach which has developed a strong and loyal group of clients and brokers as the foundation and platform to TLC as a company.

Since 1998, Keith Penny as the Managing Director has seen TLC go from strength to strength. For only the third time in its 22 year history, TLC Insurance has changed underwriting partners and teamed up with Berkshire Hathaway Specialty Insurance (BHSI). As TLC Insurance went through their due diligence process it became quickly apparent that Berkshire Hathaway Specialty Insurance stood tall as the preferred underwriting partner.

BHSI provide a wide range of covers throughout the world. Over and above this, they offer the security of a top-rated balance sheet and the expertise of a worldwide team of professionals with excellent capabilities and character that we can draw on. 

TLC Insurance’s absolute focus is and always has been broker and client relationships, agility at claims time and an ongoing commitment to provide specialist policy wordings








Keith Penny comments that one of the major benefits of becoming underwriting partners with Berkshire Hathaway Specialty Insurance, is that TLC is able to take direct responsibility for its own claims performance; 

“Claims is our key area of focus and the backbone of our business. With this in mind we can build policies, create procedures and train our people to make claims the best possible experience for our customers. The success of TLC will be measured by our ability to constantly maintain and improve our claims service”.

Back in 2010, another major underwriting coup for TLC was the successful negotiation with Vero Liability to underwrite the TLC liability portfolio. VL are without question the market leader within NZ liability market. Their experience, expertise and people has given TLC significantly more strength in relation to our liability products and our ability to service claims for customers and brokers.

After all is said and done, we are proud to be a business established in New Zealand, supported by Berkshire Hathaway Specialty Insurance and Vero Liability. 


Phone: 0800 852 467 (0800 TLC INSURANCE)
Fax: 0800 852 329

Physical Address: TLC House, 1 Forrester Drive, 
Welcome Bay, Tauranga

Postal Address: PO Box 7006, Tauranga 3148