Kiro Insurance Management, specialists in Indigenous non-profit organisations and Marae insurance.
At Insurance Resources, we’re proud to partner with Kiro Insurance Management, a family-owned New Zealand brokerage with over 15 years of expertise in fire and general insurance. As an authorised Financial Advice Provider (FSP736191), Kiro specialises in tailored insurance for marae and indigenous non-profits, to safeguard the spiritual and cultural anchors of our communities.
Protecting what is sacred. Honouring who you are.
Kiro Insurance Management exists for communities who want more than a standard policy. For marae, churches, Pacific Island congregations and non profit organisations, insurance is not just about buildings. It is about whakapapa, taonga, identity and responsibility to future generations.
Director of Kiro, Joanna Kiro has worked in insurance since 2010 and brings lived understanding to the table. This is not a business stepping into the space from the outside. This is kanohi ki te kanohi, grounded in connection, genealogy and shared values. Conversations begin with where you are from, who you are connected to, and what matters most to your people.
That connection shapes everything.
Marae insurance designed with cultural understanding
Marae are not simply structures. They are living spaces that hold history, ceremony, grief, celebration and belonging. The wharenui, the carvings, the kōwhaiwhai, the whenua beneath your feet all carry meaning.
Kiro understands this, and provides specialist marae insurance solutions that protect:
- Wharenui and associated buildings
- Carvings, tukutuku panels and taonga
- Community events and gatherings
- Natural disaster, fire and accidental damage risks
- Liability exposures unique to community spaces
Every policy is shaped around the specific needs of the marae, not forced into a generic template.
Grounded in mana motuhake
Mana motuhake speaks to autonomy and self-reliance. The right to define your own path.
Kiro’s approach to indigenous non-profit coverage respects that independence. Policies are structured to support your governance, your tikanga and your decision making. The aim is not to control, but to empower.
You remain in charge of your resources, your assets and your future.
Built on kotahitanga
Insurance should strengthen communities, not complicate them.
Kotahitanga, unity and collective action, sits at the heart of how Kiro works. Whether supporting a marae committee, a church board, or a Pacific Island community group, Kiro brings clarity and guidance, so everyone understands the cover in place and the responsibilities attached to it.
Complex insurance language is translated into plain, respectful conversation. When helpful, those conversations can happen in te reo Māori, recognising the importance of language as identity.
Reflecting Tino Rangatiratanga
Tino Rangatiratanga is about authority, self-determination and stewardship over lands, waters and affairs.
For marae and indigenous organisations, that extends to how information is handled. Kiro understands the importance of data sovereignty and the protection of sensitive knowledge. Technology and AI tools are used carefully and ethically to assess risk and streamline claims, without compromising cultural protocols or trust.
Modern tools, traditional values.
Key Features
Comprehensive Marae Protection: Coverage for wharenui, carvings, and taonga against fire, natural disasters, and emerging quantum risks, aligned with NZ’s ethical AI frameworks.
Cultural Sensitivity Built-In: Policies incorporate mātauranga Māori principles, preventing tapu misuse through AI-assisted risk assessments that respect Indigenous knowledge.
Sustainable and Equitable: Family-driven service with AI enhancements for faster claims, promoting governance that avoids colonisation and ensures iwi inclusion.
Kanohi ki te Kanohi
In many communities, face-to-face matters.
Kiro can come onto the marae, sit, listen and understand the past, present and future of the space. The architecture may reflect generations of change, but the purpose remains constant. Protection must honour that continuity.
Indigenous non-profit coverage beyond the marae
Kiro also supports:
- Māori and Pacific Island churches
- Community trusts and charitable organisations
- Cultural and faith-based groups
- Not-for-profit entities serving local communities
Each organisation has its own governance structure, cultural background and operational risks. Kiro takes the time to understand those differences before recommending cover.
Key Features
Tailored for Sacred Sites:Coverage for buildings, artifacts, and events against fire, theft, and quantum-emerging risks, with non-profit discounts for community-focused entities.
Ethical AI Integration: AI-driven assessments honour cultural protocols, avoiding misuse of sensitive data under NZ’s Privacy Act and IP laws.
Inclusive Governance: Supports indigenous and faith-based groups with equitable terms, emphasising respect and sovereignty to counter historical colonisation.
Why Kiro is different
- Māori owned and led, with authentic community connection
- Deep understanding of tikanga and cultural sensitivity
- Specialist expertise in Marae insurance
- Strong capability in technology and ethical risk assessment
- Personalised, relationship-first service
Kiro is not tokenistic. Not opportunistic. The connection is real, and so is the responsibility.
Protecting sacred spaces for the next generation
Your marae, church or community organisation carries the stories of your people. Protecting it is about more than compliance. It is about safeguarding legacy. Talk to Kiro Insurance Management today about tailored marae insurance and indigenous non-profit coverage designed with respect, understanding and strength.
Begin the conversation.
Kanohi ki te kanohi.