15 September 2026

Hawke's Bay Business News, Profiles and Expert Advice

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Does my insurance reflect the real cost of my family’s lifestyle? Life insurance decisions are typically framed around repaying debts and replacing income. With income central to the conversation, it’s important for families to know what it costs to maintain their normal lifestyle and how long those costs would need

By Andrew Davies — Director and Insurance Adviser, Tidal Life & Health Insurance For most people, their personal and business insurance plans were arranged at a logical point in time such as starting a business, buying a home, taking on debt, or growing a family. The challenge is that life

By Andrew DaviesDirector and Insurance Adviser — Tidal Life & Health Insurance Running a successful business often depends on one or more key individuals whose skills, knowledge, relationships and role in the business are essential for daily operations, strategy, sales and technical expertise. But what happens if one of those

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