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Who is the reinsurer that Initio uses?

Initio is underwritten by NZI, which is a wholly owned subsidiary of IAG New Zealand Limited.

What does this mean? Initio is an underwriting agency of NZI (IAG New Zealand Ltd).  Behind the scenes, most insurance claims are paid by large, global insurance companies. These large insurance companies provide financial backing for insurers such as us. You can read more about financial strength here.

The IAG Group sources catastrophe reinsurance from large reinsurers around the globe (such as Berkshire Hathaway and Munich Re).